Unsecured Business Line of Credit

Access funds anytime

  • Up to $100,000
  • Rates as low as 4.50% footnote *
  • No collateral required

Or call us at 866.953.2481
Mon-Fri 8 a.m. – 10 p.m. ET

An unsecured business line of credit is a smart alternative to credit cards for providing longer-term financing in larger amounts with lower interest rates. Plus, no collateral is required.

With an unsecured business line of credit, you can

  • Get financing from $10,000 to $100,000 at a competitive rate
  • Bridge the gap between payables and receivables
  • Buy seasonal inventory, meet payroll and more

Applying is straightforward

  • Fast, easy online application with no collateral required
  • Competitive rates — interest rate discounts for qualifying relationship customers footnote ¹
  • Get a decision, generally within a week footnote ²

Using your account is simple

  • Fast access to funds
  • Lines from $10,000 to $100,000
  • No cash advance fees footnote ³

Accessing your account is easy

  • Use the Visa® card linked to your credit line or write a convenience check
  • Visit an ATM or financial center
  • Transfer funds using Online Banking footnote

Save on interest with Preferred Rewards for Business

Preferred Rewards for Business members can get a business line of credit and term loan interest rate discount from 0.25% to 0.75% for a new credit facility, based upon your tier at time of application. footnote Learn more about Preferred Rewards for Business >

One of the many small business advantages of Preferred Rewards

Your Bank of America credit card + Bank of America Preferred Rewards for Business = Lower rates Apply now

Or call us at 866.953.2481
Mon-Fri 8 a.m. – 10 p.m. ET