Business Line of Credit

  • Easy application process
  • Local credit decisions
  • Fast access to funds

Interest Rate Offer
Meet short-term cash requirements as needed
Loan Amount
Starting at $25,000
Minimum two years in business under existing ownership

Talk to a Banker

All lines of credit are subject to credit approval.

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.

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.

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

Apply Online
in less than 10 minutes
Get Credit Decision
in as little as one-two business days
Access Funds
Upon approval, access to your line of credit in as little as one week

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

Here's What Our Business Customers Say About Us

"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." — Nancy W., CUSTOMER, 3 YEARS
"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" — James T., CUSTOMER, 3 YEARS
"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." — Ellen B., CUSTOMER, 3 YEARS