Business Line of Credit

 overview

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.  

 products

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.

Benefits Include:
  • 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.  

Benefits Include:
  • 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.

Benefits Include:
  • 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

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.