Support cyclical or seasonal cash flow
Access what you need when you need it
Support cyclical or seasonal cash flow
Access what you need when you need it
Business Lines of Credit*
Get flexible access to cash on demand for inventory, cyclical needs, and anything else your business needs. Whether you're managing seasonal ups and downs, dealing with unpredictable cash flow, expanding operations, or just want a financial cushion, our credit lines adapt to your business so you can borrow only what you need.
Fast access to funds when you need capital without the wait
Fast access to funds when you need capital without the wait
Practical lending decisions based on your business's real assets and potential
Practical lending decisions based on your business's real assets and potential
Smart cash flow management, plus you only pay interest on the funds you actually borrow
Smart cash flow management, plus you only pay interest on the funds you actually borrow
Flexible financing to keep your business moving
Features & benefits:
- Unsecured lines available up to $50,000
- Quick approvals with streamlined documentation
- Flexible borrowing for seasonal or cyclical cash flow needs
- Sweep account integration for automatic cash management
- Option to use your line of credit for Overdraft Protection
- Only pay interest on what you use
Best if you:
- Manage seasonal revenue
- Are looking for cash flexibility
- Want automatic sweeps
- Prefer simple approvals
- Value relationship banking
- Need quick and flexible funding
WaFd Bank's Business Lines of Credit
| Product/feature | Best for | Key benefits |
|---|---|---|
| Business Line of Credit | Companies with asset-backed borrowing needs |
|
| SBA Express Line of Credit | Businesses needing quick and flexible funding |
|
| Line of Credit + Sweep Account | Firms managing multiple accounts |
|
Business Line of Credit
- Best for: Companies with asset-backed borrowing needs
- Key benefits:
- Larger credit lines tailored to your assets
- Flexible limits based on business size
SBA Express Line of Credit
- Best for: Businesses needing quick and flexible funding
- Key benefits:
- Fast decisions with minimal paperwork
- Up to $50,000 unsecured
Line of Credit + Sweep Account
- Best for: Firms managing multiple accounts
- Key benefits:
- Automatic fund transfers to maximize efficiency
- Daily transfers between accounts
Connect with Us
Our knowledgeable and experienced bankers are ready to help.
Scale Your Success
Expand your financial capacity with our integrated business banking solutions, designed to scale with your goals.
REMOTE DEPOSIT CAPTURE
Submit your bank deposit using a simple desktop scanning device
- Save time, no need to drive your deposits to the bank
- Receive credit faster
- Access images of deposited items
eACH
A secure and fast way to send and receive payments
- Vendor Payments
- Payroll
- Payment Collection
ADDITIONAL OPTIONS
More ways to upgrade your account
- Treasury Prime for ultimate control over business accounts
- Sweep Accounts
- Zero Balance Accounts
- eWires: send domestic and International wires quickly
Expert Insights
Navigate your business confidently with expert knowledge and guidance.
What Is Needed to Open a Business Bank Account?
Keeping your business funds separate from your personal finances helps you stay organized and focused on your business priorities.
How to Get a Business Line of Credit for a New Business
We've got some simple steps to help you prepare to apply with the best chance of success.
What is the Difference Between a Business Line of Credit and Business Loan?
While both offer financing, there are key differences, and they serve separate purposes.
Frequently Asked Questions
*Loans subject to approval.