Unsecured lines of credit
Choose an unsecured line of credit
that works for your business
Small Business Advantage®
BusinessLine®
Five-year unsecured revolving line of credit
No annual review
Requires personal guarantees
Must meet U.S. SBA requirements
Unsecured revolving line of credit
No annual review
Requires personal guarantees
We’ll match you to the right line of credit based on eligibility.
For requests over $100,000, please contact your relationship manager or visit a branch.
Key features and benefits
Mastercard® access card
Conveniently make purchases using your access card and earn points
Rewards program
Earn 1 point for every $1 in qualifying purchases and redeem for travel, gift cards, and more
Automatic payments and Bill Pay
Set up automatic payments and Bill Pay to pay any company or individual in the U.S. from your business account
Overdraft protection
Enroll in overdraft protection and link to your Wells Fargo Business Checking account.
Business lines FAQs
Small Business Advantage® lines of credit are designed for new, young, for-profit businesses.
The household personal liquid assets of each owner must be less than $500,000.
Unsecured lines of credit don’t require collateral, like a house or a savings account, to back it up.
Cash Advance Fee. No fee for access checks, online transfers, Bill Pay or telephone transfers. 3% ($10 minimum) fee for ATM and over the counter transactions from a bank or financial institution. 4% ($10 minimum) fee for wire transfer advances and for Casino Cash/Quasi Cash transactions when using the BusinessLine® Mastercard® access card.
View customer agreement
Cash Advance Fee. No fee for ATM, over the counter transactions from a bank or financial institution, access checks, online transfers, Bill Pay or telephone transfers. 4% ($10 minimum) fee for wire transfer transactions and for Casino Cash/Quasi Cash transactions when using the Small Business Advantage Mastercard® access card.
View customer agreement
There’s no annual fee for the first year.
After that, it’s $95 for lines between $10,000 and $25,000 and $175 for lines over $25,000.
Our unsecured lines of credit are revolving. This means that you can borrow, repay, and borrow again, up to the set credit limit.
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The Wells Fargo Small Business Advantage line of credit is available for businesses in operation for less than 2 years and must meet U.S. SBA requirements. Household personal liquid assets must be less than $500,000. Small Business Advantage line of credit is available to for-profit businesses only. Additional terms and conditions apply. If these requirements are not met, you may be eligible for a Wells Fargo BusinessLine® line of credit, which includes an annual fee of up to $175.
The Wells Fargo BusinessLine line of credit is available for businesses in operation for two or more years. If this requirement is not met, you may be eligible for a Wells Fargo Small Business Advantage® line of credit.
Terms for credit products are subject to final credit approval of the business and its owners. A physical address is required to receive a Wells Fargo business credit product. You must be an owner of this business and not already have this product.
For Small Business Advantage line of credit, your rate will be between Prime + 4.50% and Prime + 6.50%, depending on your personal and business credit evaluation. Prime refers to Bank's announced Prime Rate. Bank's announced Prime Rate is subject to change at any time. The interest rate that you are assigned will continue unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. Rates are subject to change, and may be higher or lower than the stated ranges. Interest accrues immediately whenever you use your line of credit account, including by use through Mastercard purchases, checks, and transfers.
For BusinessLine line of credit, your rate will be between Prime + 1.75% and Prime + 9.75% depending on your personal and business credit evaluation. Prime refers to Bank's announced Prime Rate. Bank's announced Prime Rate is subject to change at any time. The interest rate that you are assigned will continue unless a default occurs under the Customer Agreement and we elect to increase the rate, or we exercise our right to change the terms of the account. Rates are subject to change, and may be higher or lower than the stated ranges. Interest accrues immediately whenever you use your line of credit account, including by use through Mastercard purchases, checks, and transfers.
Customers are automatically enrolled in the Wells Fargo Business Rewards program at the time of new account opening, with no annual program fee. One dollar spent using the Mastercard® access card earns one rewards point, based on qualifying purchases (purchases less returns and credits), and does not include any fees posted to the account. If you have at least $1,000 in qualifying purchases, made with the Mastercard access card, on the account in a billing cycle, you will earn 1,000 bonus points. Valid as long as a default does not occur and subject to change under the Customer Agreement. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the Program at any time without notice. Some restrictions may apply. See the Wells Fargo Business Rewards Program Terms and Conditions for details at wellsfargo/businessrewards.
There's no monthly service fee to use Bill Pay. Account fees (e.g., monthly service) may apply to your account(s) that you make Bill Pay payments from. We don’t charge overdraft fees on Bill Pay transactions, but Bill Pay transactions can contribute to overdrafts. For example, if a Bill Pay payment reduces the available balance in your selected payment account, this can affect debit card purchases, checks, and other transactions that are presented to us for payment. These other transactions might be subject to overdraft fees under the terms of your account. Please refer to the Account Agreement, including the Fee and Information Schedule, applicable to your account(s).
Subject to account eligibility requirements. Advances from linked credit accounts accrue interest from the date of each advance. Refer to your Customer Agreement for details about Overdraft Protection advances. For information about overdraft services, visit https://www.wellsfargo.com/biz/help/faqs/overdraft-services.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Wells Fargo Bank, N.A. Member FDIC.
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