Business Line of Credit | Firstrust Bank
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Increase Your Cash Flow

Line of Credit

  • Interest Rate Offer
    Prime -1%, currently 4.50% APR
    6–month introductory offer
  • Line Amount
    From $100,000 to $1,000,000
Start Your Business Loan

†All lines of credit are subject to credit approval. Lines of credit are secured with business assets or real estate. Subsequent variable rate based on creditworthiness, as low as Prime + 0% and up to Prime + 5 1/2%.
Firstrust reserves the right to revise or rescind this offer at any time without notice.

Why use a Business Line of Credit

The number one reason to open a business line of credit is to gain access to short-term funding. You can support ongoing operational expenses, increase inventory or manage cash flow during slow seasons with a line of credit that is typically secured by a blanket lien on your assets. Our secured lines of credit feature loan terms with annual renewal, no cash advance fees and no interest charges until you use your funds.


  • Minimum 2 years in business under existing ownership
  • Minimum $500,000 in annual revenue

How do I access funds from a business line of credit?

A business line of credit allows you to borrow up to a certain limit, say $200,000, and pay interest only on the money borrowed.

  • You draw and repay funds as you wish, as long as you don’t exceed your credit limit.
  • Access funds online with a business checking account from Firstrust.

What is the difference between a business line of credit and a business credit card?

A business line of credit is subject to credit review and annual renewal, and is revolving, like a credit card.

  • Interest begins to accumulate once you draw funds, and the amount you pay (except for interest) is available to be borrowed again as you pay down your balance.
  • As with a credit card, we will set a limit on the amount you may borrow.
  • Unlike a credit card, your business line of credit is secured with assets, letting you access funds typically at a much lower interest rate than an unsecured business credit card.

Getting Started is Easy

Speak with Banker

Discuss your lending needs & financing options

Get Credit Decision

Fast, local decision-making

Access Funds

Upon approval, we’ll work with you to quickly access financing
Get Started Now

Navigate Our Business & Commercial Loans

We have the financial products you need
to start or grow your business.

Firstrust Bank. Business Edge.

  • Get fast, local decision-making from the Philadelphia region’s largest family-owned bank
  • Work with an experienced relationship manager that will be assigned directly to you
  • Access our full service loan, deposit, cash management and online banking products and services

We’re Here to Help.

Complete the form below and one of our local team members will give you a call.
Ready to speak to Firstrust now? Call 833.553.6038
Monday–Friday: 8am-6pm

Here's What Our Business Customers Say About Us

“I have banked with Firstrust for the past 5 years. Their insight and foresight allows me to make the best business decisions for my company. I recommend Firstrust to all of my business affiliates."

“I reached out to Firstrust with the goal of acquiring a Business Line of Credit, and of course at a great rate. I was able to do just that with the assistance of the friendly and knowledgeable employees of the bank. I let the employee know what I needed to accomplish my stated goal and within a week or two it was accomplished. I'm truly grateful for the help of people at Firstrust Bank."

“Firstrust is always the first that I go to for commercial mortgages. Their lender is experienced, knowledgeable, and ... she understands my needs, answers my questions, even when they are unrelated to our loans, and helps me grow my real estate investment portfolio. I recommend her to all of my friends in the real estate investor chat group."

We’re Here to Help.

Ready to speak to Firstrust now? Call 833.553.6038 Monday–Friday: 9am-5pm
By clicking ‘Submit’ you understand that this is not an application for credit. It is an inquiry for Firstrust products and services.

Thank You.

We are committed to responding to all of our customers quickly and will be in touch with you as soon as possible.

By submitting your expression of interest you have consented to receive telephone calls or email from us.

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