Commercial Line of Credit 

A commercial line of credit is a cost‐effective approach if your business needs on‐going credit to fund seasonal working capital and accounts receivables, or to manage inventory. With a commercial line of credit, your business can handle unexpected cash needs and take advantage of vendor discounts by having access to cash when you need it. This allows your business to borrow, repay, and borrow again up to the original amount committed by USB, throughout the life of the loan. 

Benefits include: 

• Flexible revolving credit lines, with annual renewals, secured by general business assets 
• Quick, easy access to funds, advances are simple and convenient 
• Provides automatic overdraft protection on your business account 
• Competitive variable rates of interest 
• Pay no interest until you draw funds 
• Delivers instant financing when you need it 

Small Business Line of Credit 

A small business line of credit is ideal for businesses that need quick and easy access to cash over short periods of time to help purchase inventory or manage seasonal cash flow fluctuations. 

Benefits include: 

• Access to working capital and cash when you need it 
• Competitive variable rate 
• Can be used for overdraft protection