All business applicants are unique and some exceptions may apply. All applications are subject to final credit approval.
Apply now and we will match your request to the appropriate line of credit based on product eligibility.
Apply now and we will match your request to the appropriate line of credit based on product eligibility.
Applies to both Wells Fargo BusinessLine line of credit and Wells Fargo Small Business Advantage line of credit products.
Applies to both Wells Fargo BusinessLine line of credit and Wells Fargo Small Business Advantage line of credit products.
Wells Fargo unsecured business line of credit includes exclusive rewards with no annual program fee, no cap or categories to keep track of. Use your Mastercard access card to make purchases from your line of credit. See how easy it is to earn points and redeem them for thousands of great items.
Apply now and we will match your request to the appropriate line of credit based on product eligibility.
Apply now online for up to $100,000. For line requests over $100,000 please contact your relationship manager or a Wells Fargo Branch.
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.
Offer valid 01/01/2024 – 3/31/2024. For a BusinessLine ® line of credit, the annual fee is waived for the first year only. The annual fee of $95 (if line amount is $10,000 - $25,000) or $175 (if line amount is more than $25,000) will be assessed on your anniversary month in subsequent years.
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 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 Line Rewards program at the time of new account opening, with no annual program fee. One dollar spent using the Mastercard access card earns one Business Line 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.
The Wells Fargo Small Business Advantage line of credit is available for businesses in operation for less than 2 years and U.S. SBA requirements must be met, including the requirement that household personal liquid assets 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.
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.
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.
Flights must be redeemed through the Wells Fargo Business Rewards website or service center. Certain restrictions and limitations apply.
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