Wells fargo business line of credit application

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Manage your existing credit, and establish a credit strategy that can help your business to thrive.

Manage existing credit

Access your business credit cards, lines of credit, and loans, including Small Business Administration and commercial real estate lines and loans within Wells Fargo Business Online®.

• View credit transactions, loan details, and obtain a loan history for the loans linked to your account.
• Advance funds or make payments to lines or loans online.
• Categorize your credit transactions with My Spending Report.

Learn more about My Spending Report

Obtaining new credit

Use business credit to help manage everyday business expenses, cash flow, expansion, and to build credit. Using credit wisely may help you get closer to your long term goals.

Go to Small Business Credit

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Call 1-800-956-4442

Existing customer? Sign On

Offer valid 10/01/2022 - 12/31/2022. Offer dates subject to change. For customers who select the Wells Fargo Business Card Rewards® cash back program: To earn the one-time $300 cash back bonus, a total of at least $3,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKSTM and welcome check transactions, or any fees or interest posted to the account) must post to your Wells Fargo business credit card account within the first 3 months after the account opening date. The $300 cash back bonus will be posted to the account 1 - 2 statements after the spend requirement is met. You must remain in the cash back program for the full duration of the introductory period (3 months) in order to receive the $300 cash back bonus. If you switch or cancel rewards programs during the introductory period, you forfeit the cash bonus. Only one cash back bonus per company. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Offer valid 10/01/2022 - 12/31/2022. Offer dates subject to change. For customers who select the Wells Fargo Business Card Rewards® points-based rewards program: To earn the one-time 30,000 bonus points, a total of at least $3,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKSTM and welcome check transactions, or any fees or interest posted to the account) must post to your Wells Fargo business credit card account within the first 3 months after the account opening date. The 30,000 bonus points will be posted to the account 1 - 2 statements after the spend requirement is met. You must remain in the points program for the full duration of the introductory period (3 months) in order to receive the 30,000 bonus points. If you switch or cancel rewards programs during the introductory period, you forfeit the bonus points. Only one points bonus per company. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

There is no annual rewards program fee. If you select the Wells Fargo Business Card Rewards® cash back program option, you will earn 1.5% on qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKSTM and welcome check transactions, or any fees or interest posted to the account) for the life of the account. Earned cash back is credited quarterly (March, June, September, and December) to your Wells Fargo business credit card account or to an eligible business checking or savings account. The cash back earned and transferred to the primary business credit card account from employee card accounts in March, June, September, and December cycles will not be credited until the next quarterly rewards distribution cycle. There is no limit to the cash back earned. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the program at any time without notice. Some restrictions may apply. Additional information about the cash back program will be mailed separately.

There is no annual rewards program fee. If you select the Wells Fargo Business Card Rewards® points program option, you will earn one point for every dollar spent on qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, SUPERCHECKSTM and welcome check transactions, or any fees or interest posted to the account) for the life of the account. To earn the 1,000 bonus points each billing cycle, your total company spend must be a minimum of $1,000 in qualifying purchases. For companies with individual billing, bonus points calculation is based on owner points earned in the current statement cycle, plus employee points earned in the previous statement cycle. The bonus maximum is 1,000 points per company per month. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the program at any time without notice. Some restrictions may apply. See additional information about the points program at wellsfargo.com/businessrewards.

Offer valid 10/01/2022 - 12/31/2022. Your initial rate will be a 0% fixed interest rate for the first 9 months after account opening as long as a default does not occur under the terms of your Customer Agreement. Introductory rates will not apply to balances remaining after the end of the introductory period or to cash advances, convenience check transfers, or noncheck transfers incurred at any time. You will be assigned a variable interest rate between Wells Fargo Prime + 7.99% and Wells Fargo Prime + 17.99%, depending on your personal and business credit evaluation. Rates are subject to change and may be higher or lower than the stated ranges. The interest rate that you are assigned applies to purchases after the expiration of the introductory period, 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. Balance transfer check transactions processed after the end of the introductory period will be subject to the standard rate for cash advances. The interest rate for cash advances, other convenience check transactions, and noncheck transactions incurred at any time will be Prime + 20.74%, 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. Prime refers to Bank’s announced Prime Rate. Bank's announced Prime Rate is subject to change at any time. If a default occurs under the Customer Agreement, the interest rate applied to all balances may be increased by the Bank to a rate equal to Prime + 24.74%, subject to a maximum rate of 29.99%. Three balance transfer welcome letter checks will be mailed to the business owner or primary cardholder for balance transfers after the account is open. There is a 4% ($10 minimum; no maximum) balance transfer fee per balance transfer check and convenience check transaction. The primary cardholder will be able to use the checks to pay off balances with other creditors using the available credit limit on the primary card. Checks cannot be used to pay off other Wells Fargo obligations. There is a 4% ($10 minimum; $175 maximum) fee for cash advances and noncheck transfers. Payments will be applied to balances with lower introductory rates first, then to balances with standard interest rates. Therefore, the benefit of an introductory offer will be reduced if the account has existing balances or additional transactions that are subject to standard interest rates. Carrying any balance, including an introductory balance, from month to month will eliminate an interest-free grace period for purchases during that month.

Offer valid 10/01/2022 - 12/31/2022. For customers who select the Wells Fargo Business Elite Card Rewards® cash back program: To earn the one-time $1,000 cash back bonus, a total of at least $25,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) must post to your Wells Fargo Business Elite Signature Card account within the first 3 months after the account opening date. The $1,000 cash back bonus will be posted to the account 1 - 2 statements after the spend requirement is met. You must remain in the cash back program for the full duration of the introductory period (3 months) in order to receive the $1,000 cash back bonus. If you switch or cancel rewards programs during the introductory period, you forfeit the cash bonus. Only one cash back bonus per company. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Offer valid 10/01/2022 - 12/31/2022. For customers who select the Wells Fargo Business Elite Card Rewards® points-based rewards program: To earn the one-time 100,000 bonus points, a total of at least $25,000 in qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) must post to your Wells Fargo Business Elite Signature Card account within the first 3 months after the account opening date. The 100,000 bonus points will be posted to the account 1 - 2 statements after the spend requirement is met. You must remain in the points program for the full duration of the introductory period (3 months) in order to receive the 100,000 bonus points. If you switch or cancel rewards programs during the introductory period, you forfeit the bonus points. Only one points bonus per company. This offer is not available if the business already has a Wells Fargo business credit card or had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

If you select the Wells Fargo Business Elite Card Rewards® cash back program option, you will earn 1.5% cash back for every dollar spent on qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) for the life of the account. Earned cash back is credited quarterly (March, June, September, and December) to your Wells Fargo business credit card account or to an eligible business checking or savings account. The cash back earned and transferred to the primary business credit card account from employee card accounts in March, June, September, and December cycles will not be credited until the next quarterly rewards distribution cycle. There is no limit to the cash back earned. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the program at any time without notice. Some restrictions may apply. Additional information about the cash back program will be mailed separately.

If you select the Wells Fargo Business Elite Card Rewards® points program option, you will earn 1 point for every dollar spent on qualifying purchases (purchases less returns and credits, and excluding balance transfers, cash advances, or any fees or interest posted to the account) for the life of the account. To earn the 5,000 bonus points each billing cycle, your total company spend must be a minimum of $10,000 in qualifying purchases. For companies with individual billing, bonus points calculation is based on owner points earned in the current statement cycle, plus employee points earned in the previous statement cycle. The bonus maximum is 5,000 points per company per month. Wells Fargo reserves the right to cancel, alter, or temporarily suspend the program at any time without notice. Some restrictions may apply. See additional information about the points program at wellsfargo.com/businessrewards. 

See the Guide to Benefits for complete Terms and Conditions.

As of 5/26/2020, Unsecured Business Loans rates range from 6.25% to 22.99% and will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history and amount of credit requested. The interest rate is fixed for the life of the loan. Please talk to a banker for information on the most current rates.

FastFlex Small Business Loans require an existing Wells Fargo Business Demand Deposit account for at least 12 months to qualify. We evaluate each application on its merits. All credit decisions are subject to credit approval.

Instant decision based on approvability. Some applications will result in a pending status, which requires further review before final decision is rendered.

You must access funds from the Equipment Express® loan account within 60 days of account opening.

As of 5/26/2020, vehicle loan rates start at 4.50% based on term length, credit history, and vehicle being financed. As of 5/26/2020, equipment loan rates start at 5.00% based on term length, credit history, and equipment being financed. Rates assume automatic payment from an eligible Wells Fargo business checking account, and may be higher if the borrower fails to provide collateral, or an account default occurs.

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 10/01/2022 – 12/31/2022. 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. See Terms and Conditions for details at account opening.

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.

For Prime line of credit, rates start at Prime + 0.00%, 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 use your line of credit account, including by use through Mastercard purchases, checks, and transfers.

The security interest taken will be a first priority lien on all present and future accounts receivable, inventory, equipment, general intangibles, and certain other noncash personal property owned by the applicant business, and a Uniform Commercial Code financing statement will be filed against the applicant business to perfect the security interest.

The Prime Line of Credit has a term of 1 year, but may be renewed annually, subject to credit approval.

If environmental insurance or an environmental assessment is required, you will be responsible for this one-time fee. You will be responsible for any mortgage or deed of trust filing fee imposed by a state or other taxing authority. You will be responsible for all title and escrow fees and costs, including all title-related closing or attorney fees and costs.

You will need to pay a deposit of up to $1,000 when accepting the conditional approval terms of any loan. The deposit is nonrefundable if the loan transaction does not close for any reason. However, if the loan transaction does close, the deposit will be applied to any applicable fees due at closing, and if there is any unused portion of the deposit, it will be returned or credited to you after closing. For purchase loans, the customer will need to provide proof of funds for the required down payment. All financing is subject to credit approval.

Your rate locks upon receipt of a completed application and the required documentation for underwriting. If your loan does not close within 90 days of your application date, your rate lock will expire and you may be subject to the current rate.

Loans for the purchase of investor commercial real estate are available only to established Wells Fargo customers. An established Wells Fargo customer is either (i) a borrower who has a Wells Fargo business checking or savings account that has been open for a minimum of six months at the time of the applicable credit application, or (ii) a borrower or guarantor who is a Wells Fargo consumer banking customer with $2 million in deposits and/or Wells Fargo investments under management at the time of the applicable credit application. Alternatively, a borrower or guarantor who has (i) a Wells Fargo consumer checking or savings account, that has been open for a minimum of two years at the time of the applicable credit application, and (ii) two years of commercial real estate investor experience with like property, will also satisfy the established Wells Fargo customer requirement. All accounts must be in good standing.

Based upon analysis of application, appraisal and origination fees, and interest rates, for competing U.S. lenders as compiled by an independent third-party research firm on a quarterly basis.

We'll match or beat a competing offer (rate and fee combination), when a competitor's formal written approval is provided to us, or pay you $200. Terms and conditions apply.

Financing from $50,000 to $1,000,000 on purchase and refinance loans in first lien position; $50,000 to $500,000 for equity loans, cash-out on refinance loans, and second lien position refinance loans.

If environmental insurance or an environmental assessment is required, you will be responsible for this one-time fee. You will be responsible for any mortgage or deed of trust filing fee imposed by a state or other taxing authority. Wells Fargo Bank will pay title policy costs, but you will be responsible for all other title-related closing or attorney fees and costs.

You will need to pay a deposit of up to $1,000 when accepting the conditional approval terms for any loan. The deposit is nonrefundable if the loan transaction does not close for any reason. However, if the loan transaction does close, the deposit will be applied to any applicable fees due at closing, and if there is any unused portion of the deposit, it will be returned or credited to you after closing. All financing is subject to credit approval.

Second lien loans and lines are only available behind a Wells Fargo Bank first mortgage for established Wells Fargo business checking or savings account customers. Commercial condo and special purpose properties are not eligible for second lien loans or lines.

You will need to pay a deposit of up to $1,000 when accepting the conditional approval terms of any line of credit. The deposit is nonrefundable if the line of credit transaction does not close for any reason. However, if the line of credit transaction does close, the deposit will be applied to any applicable fees due at closing, and if there is any unused portion of the deposit, it will be returned or credited to you after closing. All financing is subject to credit approval.

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