Small business line of credit

Access to money—whenever you need it. Manage seasonal cash flow, expand inventory, or grab hold of a new opportunity.

Apply now for a small business line of credit.

How Small Business Line of Credit Works

How it works:

  • Apply for a specific line of credit amount.footnoteDisclosure 2
  • Borrow up to your available credit limit.
  • Access funds by transferring money to your checking account or by writing checks.
  • Interest accrues only on the outstanding balance.
  • Use as revolving line of credit and re-borrow over time up to the maximum credit limit.

Best if you want to:

  • Cover seasonal or revolving cash flow
  • Access working capital where and when you need it
  • Access a larger line of credit if secured by collateral

Apply for a card that fits your needs.

Small business credit cards

Extra buying power. More financial freedom. Rewards potential.

Learn more about small business credit cards.
Learn how about commercial loans.

Resources

Expand your knowledge with resources for better business strategies. Stay up-to-date with trending topics, news, and research.

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09/05/2023
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Start your businessHow to hire and staff employees for your small business

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Grow your businessThe secrets of growing businesses: How they’re finding success

Most businesses have experienced pressure from inflation, rising prices, and the economy. Yet some small businesses have been able to meet these challenges head-on.

Wondering what growing small business and industries are doing? Read this article to find what the next up and coming businesses are up to.
01/23/2024
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What Growing Small Businesses Are Doing | Truist

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Most businesses have experienced pressure from inflation, rising prices, and the economy. Yet some small businesses have been able to meet these challenges head-on.
Wondering what growing small business and industries are doing? Read this article to find what the next up and coming businesses are up to.
- Jan 23, 2024
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What Growing Small Businesses Are Doing | Truist

Start your businessWhy should my business use accounting and financial software?

Accounting and financial software can make your life easier. Automate recordkeeping, establish good bookkeeping habits, and connect your checking account to streamline your financial management.

Accounting and financial software can make your life easier. Explore the benefits of automating record keeping, establishing good bookkeeping habits, and more.
01/10/2024
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Do I Need Accounting & Financial Software for My Business?

Start your businessWhy should my business use accounting and financial software?

Accounting and financial software can make your life easier. Automate recordkeeping, establish good bookkeeping habits, and connect your checking account to streamline your financial management.
Accounting and financial software can make your life easier. Explore the benefits of automating record keeping, establishing good bookkeeping habits, and more.
- Jan 10, 2024
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Do I Need Accounting & Financial Software for My Business?
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View more business banking resources

Contact us

We’re here to hear–– and help.

Let’s chat about how we can help you take care of business.

Make an appointment.

Schedule an in-person or virtual appointment.

Schedule an appointment

Call us.

Talk to a Small Business specialist at 833-866-5129.

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Disclosure 1 Line of credit amounts may be available up to $250,000 with appropriate collateral. Subject to credit approval.

Disclosure 2 Terms may go up to 60 months with appropriate collateral.

Loans and lines of credit are subject to credit approval. Standard underwriting guidelines and credit policies apply.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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