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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.Disclosure 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.

Looking for a commercial loan?

  • Do you have borrowing needs that exceed $250,000?
  • Are your annual revenues over $2,000,000?
  • Do you have a multifamily investment property or construction needs?
Learn more about commercial lending.

Resources

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

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    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. © 2024 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

    Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and/or P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc.

    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.

    Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.

    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 the following resources for consumers that have Limited English Proficiency:

    • Multilingual teammates available at our Multicultural Banking Centers
    • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
    • Phone assistance 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.

    • Limited English Proficiency Support
    • New York City residents

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

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