Business Lines of Credit

For borrowing up to $50,000, get a same-day decision and next-day business funding[cite::29::cite]
with our Business Access Line of Credit. No collateral required. Apply online or in person in less than 15 minutes. This product[cite::26::cite] is easy to manage through online banking and can be linked to your Zions business checking account for overdraft protection. 


Business credit lines are best suited for anticipating common problems with managing cash flow by allowing you to finance receivables and inventory, increase your working capital, fund investments, and meet short-term cash needs. A credit line gives your business flexibility to adapt to change in times of growth or uneven cashflow by keeping your minimum monthly payment low and by keeping your line open after you pay the loan down.



  • Increase working capital
  • Fund investments
  • Take trade discounts
  • Improve liquidity
  • Meet short-term cash needs
  • Finance receivables and inventory


  • Lines renew every 12 to 36 months based on loan type


  • Unsecured: None required
  • Secured: Equipment, accounts receivable, marketable securities, real estate, certificate of deposit

Rate Option

  • Variable


Did you find all the information you needed about our Business Line of Credit? If you have more questions or want to apply, contact Zions Bank or call us at 800-727-8893 for help. To find out if you need a business line of credit to ensure adequate cash flow to meet business obligations, use the cash flow calculator.