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## How can we help?

- ‍ Find a location ‍
  City, State or ZIP
- Make an appointment
- ‍ Quick help ‍
  - Customer service and FAQs
  - Find routing and account numbers

## Popular FAQs

- How do I set up a wire transfer?
- When will my deposit be credited to my account?
- Why are my available balance and posted balances different?
- See more FAQs

# BusinessLine® line of credit

## Quick access to cash when you need it

Apply now

Have a reservation number?
Respond to an offer

## Explore the details of the BusinessLine® line of credit

Credit limit
$10,000 to $150,000
Rates
As low as Prime + 1.75%
Annual fee

Waived the first year

$95 for lines between $10,000 and $25,000

$175 for lines over $25,000

Other fees

No fees for checks, transfers, and Bill Pay

View fees

Terms and guarantees

Unsecured revolving line of credit

No annual review

Requires personal guarantees

View customer agreement

For requests over $100,000, please contact your relationship manager or visit a branch.

Things to consider when preparing to apply

Apply now

## Key features and benefits

### Short-term working capital

Cover inventory, payroll, repairs, maintenance, and 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 WF Business Checking account.

## Explore financing options for your business

Help me choose

Make an appointment

## Business lines FAQs

What can I do to prepare to apply for a BusinessLine® line of credit? What can I do to prepare to apply for a BusinessLine® line of credit?
Things to consider when preparing to apply for a BusinessLine® line of credit:

- Typically, guarantors have a FICO® Score of at least 680 at time of application.
- An account requires personal guarantees from any owner with 25% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership.
- Requires time in business to be six months or more.
- Additional information related to applying for credit can be found at our Business Resource Center:

  - Developing a good credit application
  - Five steps to consider before applying for credit

All business applicants are unique and some exceptions may apply. All applications are subject to final credit approval.
How do I apply for a business line of credit? How do I apply for a business line of credit?

- Apply online or in person for our BusinessLine® line of credit
- To learn more and to apply for the WF Prime Line of Credit call 1-866-902-9181

What happens after I apply? What happens after I apply?

- If you applied for a BusinessLine® line of credit, you will receive written notification from WF. If approved, it will state the approved amount.
- If you applied for a WF Prime Line of Credit, it will take up to two weeks for processing after you have submitted the required documentation. Your underwriter will provide you with guidance on additional requirements for your business.

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## How can we help?

- ‍ Call us ‍

  - For account maintenance call: 1-800-225-5935

- ‍ Find a location ‍
  City, State or ZIP

Customer help

- Access saved application
- Routing number

Account tools

- Business online banking
- Banking alerts

Banking basics

- Debit cards
- Overdraft services

How was your experience? Give us feedback.

Terms for credit products are subject to final credit approval of the business and its owners. A physical address is required to receive a WF 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.

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.#/biz/help/faqs/overdraft-services.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

WF Bank, N.A. Member FDIC.

DT1-08112026-12-8467504-1.1

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