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## How can we help?

- ‍ Find a location ‍
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- 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

# Business lines and loans

## Get the money your business needs

Help me choose
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## Find the right line or loan for your business

BusinessLine® line of credit

- Unsecured revolving line of credit
- Credit lines from $10,000 to $150,000
- Rates as low as Prime +1.75%

Apply now
Find out more
Prime Line of Credit

- Up to a 3-year secured revolving line from $100,000 to $750,000
- 1-year term for secured revolving credit lines from $750,001 to $3,000,000
- Rates as low as Prime + 0.50%
- Good for businesses with $2 to $25 million in annual revenues

Find out more
Call 1-866-902-9181 to apply

Small Business Administration (SBA) loans

- Business loans backed by the U.S. government
- Loan amounts up to $15,000,000
- Variable or fixed interest rates
- WF is an SBA-preferred lender

Make an appointment
Find out more

## Benefits to help your business thrive

### Flexible options

With a variety of lines and loans, finding an option that works for you is simple.

### Multiple ways to apply

Apply for up to $100,000 online. For higher amounts, talk to your relationship manager or visit a branch.

### Help when you need it

For in-person support, visit a branch in our extensive U.S. network, or bank online from anywhere, anytime.

### Resource center

Explore Business Resources and learn how business credit can help your business.

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## Explore financing options for your business

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## Business lines and loans 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.

For Prime Line of Credit, rates start at Prime + 0.50%, subject to minimum floor rate of 5.00%, 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 draw funds from your line of credit account.

For discussion and general informational purposes only. All financing is subject to credit approval and determination of SBA eligibility by WF SBA Lending. Additional collateral may be required. Other restrictions and requirements may apply. Middle Market Banking products and services are provided by WF Bank, N.A. WF Bank, N.A. is a bank affiliate of WF & Company. WF Bank, N.A. is not liable or responsible for obligations of its affiliates.

WF Bank, N.A. Member FDIC.

DT1-08112026-12-8321494-1.1

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