Important Details

Business Line of Credit Apply In Person

Financial business credit lines for short-term needs

With a Zions Bank® Business Line of Credit, finance receivables and inventory, increase your working capital, fund investments, meet short-term cash needs and more. For details and to apply, contact Zions Bank.

Compare a Zions Bank® business line of credit with other business financing options.

Ready to Apply?

Before beginning your application, please review the information you’ll need to include when you apply, and consult with a Business Banker for tips on completing the application. If you’re ready to apply, download and complete this application and take it to the branch nearest you.

Do I Need a Business Line of Credit or a Business Loan?

If you need a short-term business financing option, you may need a business line of credit. Business credit lines can be used multiple times, as opposed to one-time loans, and typically have smaller interest rates and closing costs than business loans. Rather than having the monthly payment of a business loan, you make payments on your business line of credit until you pay off your balance. Business credit lines are best suited for anticipating common problems with managing cash flow. 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.

Business Line of Credit

  • Increase working capital
  • Fund investments
  • Take trade discounts
  • Improve liquidity
  • Meet short-term cash needs
  • Finance receivables and inventory
  • Varies depending on loan type
Collateral and Loan-to-Value Ratio
  • Unsecured: None required
  • Secured: Savings, marketable securities or equipment; accounts receivable: up to 80% of value; inventory: up to 30% of value
Repayment Term
  • Varies depending on loan type
Rate Option
  • Variable
Other Fees
  • One or more of the following fees may apply, depending on loan type:
    • Loan origination fee
    • Annual fees
    • Account receivables monitoring costs
    • Filing costs

Loans subject to approval, terms and conditions apply.


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This page was last modified on Thu Sep 21 20:13:11 MDT 2017