Cash Secured Line of Credit
Build and strengthen credit while growing your business
Great for many small business with at least $50,000 in annualized revenue and 6 months in business.Graduate to an unsecured line of credit over time
Security deposits start at $1,000
Path to an unsecured line of credit
Apply online
Apply and fund the account with a minimum deposit of $1,000.
Keep growing your business
Use your line of credit for operating expenses, payroll and more. Make regular payments and establish positive account history.
Graduate to an unsecured line of credit
After a successful review of your account performance, your deposit will be refunded. Account reviews begin at 12 months.
Take control of your credit
Make regular, on-time payments to build your business credit. After 2 years in business under existing ownership and $100,000 in annual revenue, you could transition to an unsecured line of credit.
Refundable security deposit
Your credit line is the same as your security deposit. If your primary goal is to build your business credit, your small business can start with a security deposit as low as $1,000. You can close the account at any time by simply paying off the balance. Once the account has been closed, your security deposit will be refunded.
Line Amount & Fees Summary
(waived the first year)
(waived the first year)
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Explore the Center for Business Empowerment
Learn more about your funding options, strategies for building positive credit history, managing credit and more in the Center for Business Empowerment.
