Business Line of Credit
Get cash for the things your business needs to grow
Every small business owner needs a strong business financing solution—whether you’re first starting out or looking to grow. That’s why we work with you to understand your financial goals. With three lines of credit options available and flexible repayment plans, the perfect fit is just a few steps away.
Convenience Line of Credit
Best for Businesses that need a revolving line of credit to take advantage of discounts, purchase inventory, improve liquidity or meet short term cash requirements.
- Unsecured lines up to $100,000
- Variable rates tied to BBVA USA Prime Rate
- Evergreen payments are set at 2% of the outstanding balance or $50 (whichever is greater)
- Easy access to funds via check, Online Banking, telephone transfer, or in a branch
Traditional Line of Credit
Best for businesses that need a larger or secured revolving line of credit to take advantage of discounts, purchase inventory, improve liquidity or meet short term cash requirements.
- Secured terms vary based on collateral
- Unsecured lines up to $250,000 renew every 2 years and $250,001 + renew annually
- Variable rate tied to BBVA USA’s Prime
- Interest-only payments
- Unsecured term is 24 months for lines up to $250,000 and 12 months for lines $250,000 or more
- Easy access to funds via check, telephone transfer, or in the branch
- Secured Traditional Lines of Credit may be secured by Certificates of Deposits (CDs), Equipment, Vehicles, Cash Value of Life Insurance, Stocks, Marketable Securities Accounts, and/or commercial real estate.
Equipment Finance Line of Credit
Best for businesses that need to purchase multiple pieces of equipment over a 12 month period.
- Lines of Credit $100,000 to $1,000,000, with minimum draws of $10,000
- Competitive low fixed rates
- Principal & Interest payments
- Term is a 12 month non-revolving line, all draws are 5 year term for each equipment purchase
- Access to funds through your banker once collateral is identified
You may also be interested in:
Visa® Business Credit Cards
Manage your business’ spending and cash flow, plus earn rewards on every purchase you make with our Visa® credit card options.
BBVA Business Connect Checking
Save every month with no monthly Service Charge and no minimum balance requirements. Plus, bank on the go with Online and Mobile Banking.
Details you need to make a smart decision
All term loans subject to approval, including credit approval. Credit, collateral and underwriting standards apply. Customer pays origination fee. All rates and offers subject to change without notice. Please contact a BBVA banker for details.
*Lines of credit may be subject to an annual, administrative, or origination fee. BBVA USA Prime is a reference rate that we have established for use in computing and adjusting interest and is subject to change (increase or decrease) at our discretion, and is only one of the reference rates or indices that we use. You acknowledge that we may lend to others at rates of interest greater or less than BBVA USA Prime. You may call us at any time during our business hours at 1-844-228-2872 to check on the current BBVA USA Prime rate.