Unsecured revolving credit for Wells Fargo Business customers
Get started at Wells Fargo → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Existing Wells customers needing $25K–$150K unsecured revolving credit
Wells Fargo BusinessLine — Unsecured revolving credit for Wells Fargo Business customers Best for: Existing Wells customers needing $25K–$150K unsecured revolving credit. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Unsecured means no specific collateral — real estate, equipment, or inventory — is pledged against the line of credit. Approval and pricing rest on the strength of the business's cash flow, credit history, and banking relationship rather than pledged assets. Unsecured lines carry more risk for the lender, which is why eligibility requirements (credit score, time-in-business, revenue) are strict.
The unsecured tier caps at approximately $150K for the Wells Fargo BusinessLine. Businesses needing larger revolving credit lines can explore Wells Fargo's secured LOC products (backed by collateral such as real estate or receivables), which carry higher credit-limit ceilings. For very large revolving needs, SBA CAPLines goes up to $5M with SBA-guarantee backing.
Wells Fargo does accept applications from businesses without an existing Wells deposit relationship, but a banking relationship strengthens the application — it gives the underwriter documented cash-flow history through the bank's own data. Cold applications face a higher documentation burden and are less likely to receive the most favorable terms.
No. ClearValue Lending is a small business funding platform — not a bank, lender, or financial advisor. Wells Fargo BusinessLine is a product of Wells Fargo Bank, N.A. All LOC terms, rates, and eligibility requirements are determined solely by Wells Fargo. Verify current terms at wellsfargo.com/biz.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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