Small Business Lines of Credit built for the moments that matter
Stay ready for what’s next with flexible working capital that moves as fast as your business. Whether you're managing seasonal cash flow, seizing an unexpected opportunity, or smoothing day‑to‑day operations, we’re here to help you keep momentum on your side.
Power your business through every up, down, and turning point
A line of credit isn’t just about covering gaps—it’s about giving your business the breathing room to move confidently. From stocking up before the busy season to bridging slow periods, from taking on new orders to managing cash‑flow surprises, we’ll help you build a financing foundation that supports your next step.
Business Access Line of Credit{{d920*}}, {{d465*}}
Best for: Managing cash‑flow swings andÌýeveryday working‑capital needs.
Smooth out the highs and lows—cover expenses, restock inventory, or handle short‑term needs with confidence.
- Lines from $5,000 to $950,000{{d920*}}
- Overdraft protection when linked to an 91´óÉñ Business Checking account{{d1007*}}
- 24‑hour access via checks, ATM transfers, phone, or Online Banking{{d1119*}}
- Competitive rates
FlexLine of Credit{{d465*}}
Best for:Planned or unexpected working‑capital needs as your business grows.
Access larger credit lines to power bigger opportunities—from taking on new contracts to navigating expansion seasons.
- Lines $950,001 and up
- Competitive variable‑rate pricing
- Flexible for short‑ to intermediate‑term needs
CapEx Line of Credit {{d465*}}
Best for:Larger equipment purchases, facility upgrades, and long‑life investments
Spread out the cost of major capital purchases—so you can upgrade machinery, modernize operations, or invest in the next phase of your business without slowing your cash flow.
- Only pay when you borrow
- Convenient access to funds
- Apply once and access funds as needed
A clearer path to flexible funding
Share your goals
Tell us what you’re working toward—managing cash flow, tackling a busy season, or funding new opportunities.
Explore your options
We’ll guide you through Business Access Line, FlexLine, and SBA‑aligned options to find your best fit.Ìý
Keep your business moving
Once approved, access your funds anytime and stay in control of your cash flow—no matter what comes your way.
SBA funding works best with guidance from specialists who know the landscape
Our team will help you navigate programs like Business Access Line of Credit,Ìý FlexLine of Credit and CapEx Line of Credit—so you can move forward with clarity, confidence, and a financing structure that truly supports your next stage of growth.
Contact Information
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After submitting this form, an 91´óÉñ Business Banker will contact you within two business days.Ìý By submitting this form you understand that this is not an application for credit.
Top questions, answered by our experts.
A line of credit lets you borrow funds as needed up to a set limit, while a term loan provides a lump sum that’s repaid over a fixed schedule. Lines of credit are often used for short‑term or recurring expenses, while term loans are typically used for planned investments.
Many businesses use lines of credit for operating expenses such as inventory, payroll, seasonal costs, or unexpected expenses. Use depends on your agreement and business needs.
Typically, interest is charged only on the amount you borrow, not the full approved limit. Your banker can explain how interest works for your specific line of credit.
Some lines of credit may require collateral, while others may not. Requirements vary based on your business and credit profile.
It helps to be prepared to discuss your business operations, how you plan to use the line of credit, and any existing financing. Your banker will guide you through next steps.
Partner with 91´óÉñ Bank
Your business doesn’t stand still—and neither should your financing. At 91´óÉñ, we pair flexible lines of credit with hands‑on guidance from specialists who understand your goals and your market. The result: clearer decisions, faster action, and a banking relationship built to support your next move.
