Business Line of Credit | Santander Bank - Santander
Business Line of Credit
The essential tool to meet the needs of your growing business. Talk to a Banker today about how you can put a Santander Business Line of Credit to work for you.

Revolving lines up to $500,000
No financial statements required for lines of credit up to $250,0001
Santander Business Line of Credit uses
Finance accounts receivables
Lagging receivables are a challenge for any business. A Business Line of Credit gives you access to the capital now, so you can bridge any receivables gaps and meet your expenses.Purchase inventory
Sometimes sales outpace cash flow, so a Business Line of Credit is a helpful tool to make sure you have inventory on hand to fulfill your orders and keep your customers happy.Seasonal cash flow fluctuations
Business can ebb and flow depending on the season. If business is light, it's nice to know a Santander Business Line of Credit is there to cover unexpected expenses.Business Line of Credit features and benefits
Greater control
Make payments on a term that works for you, and only pay interest on the credit you actually use.
Have confidence
Find peace of mind knowing you have funds available to you if and when you need them.
Enjoy convenience
Access your funds quickly and easily with checks or transfers.


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| Conventional Business Line of Credit | SBA Express Line of Credit |
Length of loan | One year revolving term with annual renewals | Revolving line of credit for five years, then fixed-term loan for five years |
Size of loan | Minimum: $10,000 Maximum: $500,000 | Minimum: $10,000 Maximum: $500,000 |
One-time fees Fee discounts available for eligible customers2 | $250 origination fee | $250 packaging fee |
Annual fee | $250 annual fee, charged on the anniversary of opening the Line of Credit | No annual fee |
Collateral requirements | Unsecured: $10,000 to $100,000 Secured3: $100,000 to $500,000 | Unsecured: $10,000 to $100,000 Secured: $100,000 to $500,000 |
Interest Rate discounts available for eligible customers2 | Rate based on Santander Prime | Prime Rate-based: subject to SBA guidelines |
Monthly payment | Interest only payments | Interest only payments for the first five years, then fixed principal plus interest for the remaining five year term period |
Time in business | At least two years in business under current ownership structure | For profit entities at least 13 months in business under current ownership. Additional SBA approval required |
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What to know about small business financing

Branches across the Northeast and in Miami, Florida, plus
2,000+ ATMs.
2,000+ ATMs.

1All small business accounts, loans, and services are subject to individual approval and to the acceptance rules, credit limits, policies, and guidelines of Santander Bank, N.A. Small Business Administration (SBA) collateral and documentation requirements are also subject to SBA guidelines. Other terms and conditions apply.
2One time fee discounts and rate discounts available for Santander Private Client and Santander Select customers. For more information, visit a Santander branch to speak with one of our Bankers.
3Santander Bank secured business lines of credit are generally secured by all business assets.
2One time fee discounts and rate discounts available for Santander Private Client and Santander Select customers. For more information, visit a Santander branch to speak with one of our Bankers.
3Santander Bank secured business lines of credit are generally secured by all business assets.