BusinessLine® line of credit
Explore the details of the BusinessLine® line of credit
For requests over $100,000please contact your relationship manager or visit a branch.
Key features and benefits
Short-term working capital
Cover inventorypayrollrepairsmaintenanceand unexpected expenses.
Mastercard® access card
Conveniently make purchases using your access card
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
Unsecured lines of credit don’t require collaterallike a house or a savings accountto back it up.
Cash Advance Fee. No fee for access checksonline transfersBill 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
There’s no annual fee for the first year.
After thatit’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 borrowrepayand borrow againup to the set credit limit.
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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 BusinessLine line of credityour 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 rateor we exercise our right to change the terms of the account. Rates are subject to changeand may be higher or lower than the stated ranges. Interest accrues immediately whenever you use your line of credit accountincluding by use through Mastercard purchaseschecksand transfers.
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 transactionsbut Bill Pay transactions can contribute to overdrafts. For exampleif a Bill Pay payment reduces the available balance in your selected payment accountthis can affect debit card purchaseschecksand 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 Agreementincluding the Fee and Information Scheduleapplicable 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 servicesvisit https://www.wellsfargo.com/biz/help/faqs/overdraft-services.
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