Always-Ready Capital for Your Business
A business line of credit gives you flexible access to funds when you need them — without the cost of maintaining idle loan balances.
Business Banking
Flexibility When Opportunity Knocks
Key Benefits
All you need. Nothing you don't.
Revolving Credit Structure
Draw, repay, and redraw as needed. As you repay principal, the available credit replenishes automatically.
Lines from $10,000 to $2M
Flexible credit limits sized to your business revenue, working capital cycle, and growth plans.
Interest Only on Drawn Amounts
You only pay interest on the portion of the line you've drawn — making it a cost-effective standby funding source.
Annual Review, Not Annual Reapplication
Your line is reviewed annually rather than requiring a new application each year, reducing administrative burden.
Integrated Online Access
Draw from your line, monitor your balance, and make payments through our commercial online banking platform.
Secured & Unsecured Options
Unsecured lines available for strong credit profiles. Asset-based lines can leverage receivables or inventory for higher limits.
Rates & Details
Line of Credit Rates
Rates effective as of April 30, 2026. Subject to change without notice. APR = Annual Percentage Rate.
Unsecured Business LOC
Prime + 2.00%–4.00%
Secured Business LOC
Collateral-backed; lower rate
Prime + 0.50%–2.00%
Featured
Asset-Based LOC
Against receivables/inventory
Prime + 1.00%–3.00%
FAQ
Frequently Asked Questions
A term loan provides a lump sum disbursed upfront, which you repay in fixed installments. A line of credit is revolving — you draw what you need, repay, and draw again. Lines of credit are ideal for recurring short-term needs; term loans are better for specific one-time investments.
There is a small annual commitment fee on most lines, typically 0.25%–0.50% of the undrawn balance. This is significantly less than the cost of maintaining an unnecessary term loan.
Once established, funds from your line can be drawn immediately through online banking, wire transfer, or ACH — typically same-day or next-day availability depending on the method.