Apply for an eligible Small Business loan or line of credit including a Small Business Administration (SBA) loan and reduce your rate by up to 0.25% when you transfer balances to Bank of America prior to closing. Learn More
Business Advantage
Secured Business Line of Credit
Increase your cash flow
Why use a secured business line of credit?
Support ongoing operational expenses with a line of credit typically secured by a blanket lien on your assets or a certificate of deposit. Our secured lines of credit feature revolving loan terms with annual renewal, no cash advance fees and no interest charges until you use the funds.
Support ongoing operational expenses with a line of credit typically secured by a blanket lien on your assets or a certificate of deposit. Our secured lines of credit feature revolving loan terms with annual renewal, no cash advance fees and no interest charges until you use the funds.
Support ongoing operational expenses with a line of credit typically secured by a blanket lien on your assets or a certificate of deposit. Our secured lines of credit feature revolving loan terms with annual renewal, no cash advance fees and no interest charges until you use the funds.
Line amount
from $25,000
Interest rate
as low as 8.50%Disclosure † Interest rate
Terms
revolving with annual renewal
Upfront and renewal fees
variable based on line amountadatext
Line amount
from $25,000
Interest rate
as low as 8.50%Disclosure † Interest rate
Terms
revolving with annual renewal
Upfront and renewal fees
variable based on line amountadatext
Qualifications:
Minimum 2 years in business under existing ownership
Minimum $250,000 in annual revenue
Minimum $250,000 in annual revenue
Get rewarded for your banking choicesadatext
Apply for an eligible Small Business loan or line of credit including a Small Business Administration (SBA) loan and reduce your rate by up to 0.25% when you transfer balances to Bank of America prior to closing. Learn More
Special benefit for veterans:
Take advantage of a 25% discount on loan administration or origination fees.adatext
Offer valid for veterans of the U.S. Armed Forces on new credit facility applications submitted in Small Business.
Offer valid for veterans of the U.S. Armed Forces on new credit facility applications submitted in Small Business.
Advertised as low as rate is effective as of June 2nd, 2025 and is subject to change. Your actual interest rate may differ based on your creditworthiness, overall business relationship with Bank of America and line amount. Subject to credit approval; some restrictions may apply.
Connect with a specialist to inquire about available products and services.
What to Expect
Apply
Complete an application in person or over the phone.
Grow your business
Work with a specialist to finalize your line or loan and get the financing you need.
Looking for an unsecured line of credit?
A Business Advantage Credit Line can help you bridge the gap between payables and receivables with no collateral required.
So much more than a line of credit
Expert insights
Explore financing options and cash flow strategies on the Center for Business Empowerment.
Free business credit scores
View your business credit scoresadatext for free, powered by Dun and Bradstreet.
