You've got big plans for your small business.

For a limited time, you could get intro variable rates as low as Prime Plus 0.00%1 for the first 12 months on a Small Business Secured Line of Credit and a term loan with 0.25% off a fixed rate.2

Offer ends June 30, 2022.

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We’re here to provide flexible banking solutions and expert industry resources to get you there.

  • CheckPlus, you can get intro variable rates as low as
    Prime Plus 0.00%1

    For a limited time, you can get intro variable rates as low as Prime Plus 0.00%1 for first 12 months on a Santander Business Secured Line of Credit.3

  • CheckExpand your business or refinance debt with a Santander Small Business Term Loan3

    Take some of the uncertainty out of life—lock in a fixed rate with a 0.25% discount.2

Limited-time offers expire March 31, 2022

Financing to embrace your future.

Your business, your future—get started on something big today.

Small Business Secured Line of Credit3

A flexible source of working capital to fund immediate needs or cover unexpected expenses.

  • A simple application process for unsecured lines of credit up to $100,000.4
  • If a line of credit isn’t right for you, ask us about our other flexible lending options.
  • No financial statements required at the time of qualified application on unsecured lines of credit up to $100,000.4

Small Business Term Loans and Small Business Equipment Financing3

Expand operations, purchase equipment, or refinance business debt.

  • Terms up to 5 years for Business Term Loans and up to 10 years for Business Equipment Financing.
  • Loan amounts up to $1,000,000 available.
  • Apply for up to $100,000 with no financial statements at the time of qualified application.4
  • Waive the $250 origination fee if you set up automatic electronic payments from a Santander Business Checking or Santander Business Checking Plus account.5
Don't miss out on these limited-time offers!

Small Business, Big Future—get started on something big today. Don't miss out on these limited-time offers!

Get in touch with a Santander business banking specialist today to get started.

Get Started
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  • Call us at 888-874-8261

    Any questions, please call us at 888-874-8261.

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    Make an in-person appointment with a banker today. Now it is even easier to book an appointment at a branch near you. Visit: SantanderBank.com/Connect.

At Santander, we are focused on helping you reach your big dreams.

Look for our Small Business, Big Future events coming April through June.

Learn More

1 For a limited time, on Small Business Secured Lines of Credit (“BLOC”) between $100,000 and $500,000, pre-selected, qualified, and approved applicants are eligible to receive an introductory variable interest rate for 12 months following the BLOC closing of Prime Rate plus 0.00%, depending on creditworthiness and other factors as determined by Santander in its sole discretion. “Prime” or “Prime Rate” means a variable per annum rate of interest selected by Santander in its sole discretion from time to time, and is subject to change without notice. The Prime Rate is 3.50% as of March 16, 2022. On the first-year anniversary of the BLOC closing, the interest rate will convert to a variable rate between Prime Rate plus 1.00% and Prime Rate plus 8.50%, as determined and disclosed to you by Santander at the BLOC closing. To qualify for one of the 12-month introductory rates and waiver of the origination fee, an approved business applicant must: (i) Have, or open at time of BLOC closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) Have, or enroll in at BLOC closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the BLOC. The applicable rate, including, but not limited to, any introductory rate, is at all times subject to the terms and conditions of the loan documents. If the Prime Rate is less than zero, it shall be deemed to be zero. For qualified and approved applicants, additional fees, terms, and conditions may apply. Offer expires 06/30/2022.

2 For a limited time, for approved applicants, obtain a Small Business Term Loan between $10,000 and $1,000,000 and receive 0.25% off of the fixed rate. Applications must be received by 06/30/2022, and close within 90 days of approval. The interest rate will be determined at time of approval. To qualify for the 0.25% discount, an approved business applicant must: (i) have, or open at time of loan closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) have, or enroll in at loan closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the loan. Subject to credit approval. Refinances of existing Santander business loans are excluded. This rate offer may change at any time.

3 Small business financing products are available to qualified applicants with annual revenues up to $3,000,000, subject to underwriting and credit rules, policies, and guidelines of Santander Bank, N.A. (“Santander”). Credit decisions are made by Santander in its sole discretion and subject to change at any time without notice. Offers do not apply to loans that require a guarantee from the U.S. Small Business Administration or existing Santander loans and credit transactions. To apply for these offers, applicants must submit a signed and completed application and any other information requested by Santander by 06/30/2022.

4 For qualified businesses applying for unsecured credit between $10,000 and $100,000, as soon as next-business-day credit decisions may be available and financial statements or pledged collateral will not be required at time of application unless: (1) your business is a not-for-profit organization; or (2) your business's existing Santander business credit exposure at time of loan application, in addition to the loan application request amount, exceeds or will exceed $100,000; or (3) your business's existing Santander business credit exposure at time of loan application, in addition to the loan application request amount, is more than 10% of your business's most recent annual sales; or (4) your business is applying for a commercial real estate loan. Other restrictions or conditions may also apply.

5 For qualified and approved business applicants, between 04/01/2022 and 06/30/2022, Santander will waive the one-time origination fee of $250 on a new Small Business Secured Line of Credit (“BLOC”) between $10,000 and $500,000, if the approved applicant (i) has, or opens at time of BLOC closing, a Santander Business Checking or Business Checking Plus account, and (ii) has, or enrolls in at time of BLOC closing, pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the BLOC. Additional fees, terms, and conditions may apply. Santander reserves the right to cancel or modify this origination fee waiver practice at any time in its sole discretion.

5 For a limited time, for approved applicants, Santander will waive its $250 SBA Packaging Fee. Applications must be received by 06/30/2022, and close within 90 days of approval. To qualify for the SBA Packaging Fee waiver, an approved business applicant must: (i) have, or open at time of loan closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) have, or enroll in at loan closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the loan. Subject to credit approval. Small Business Administration (SBA) collateral and documentation requirements are subject to SBA guidelines. SBA financing is subject to approval through the SBA 504, SBA 7(a) and SBA Express programs. Refinances of existing Santander business loans are excluded. This offer may change at any time. Offer expires 06/30/2022.

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