Business Line of Credit

Apply Online for Working Capital in Less than 10 minutes.

Get Started
Line Amount Minimum of $25,000 up to $150,000

Line Amount
Minimum of $25,000
up to $150,0001

Rates As Low As Prime +1% <sup>1</sup>

As Low As
Prime +1% APR1

Built with your convenience in mind, you can expect a credit decision in as little as
one - two business days and if approved, access to your line of credit in as little as one week.

What should I Have Ready To Apply?

  • Legal Business Name
  • Business Tax ID
  • Annual Business Revenue as per your last Tax Return
  • Annual Net Profit
  • Business Owner Information

Minimum Qualification Requirements

Must be an established business for two or more years
Annual business revenue of at least $175,000
Good personal and business credit history
Location in Firstrust Bank footprint (PA, NJ, DE, MD)

Other Requirements

$500 loan origination fee
Firstrust Business Checking Account for disbursements and
When To Use A Business Line Of Credit

Business lines of credit are good for solving short-term working capital needs, for example:
  • Purchasing inventory or small equipment
  • Repairing business-critical equipment
  • Bridging a seasonal cash flow gap
  • Emergency funds

Applying Is Easy


Complete the Online Application
Provide us with some basic information about your business.
Upload Documents

After review, a Business Banker will contact you within 1-2 business days.

Receive Funds

Upon approval, we’ll work with you to get quick access to your funds.

Loan Tracker

Frequently Asked Questions

1 All lines of credit are subject to credit approval. Lines of credit are secured with business assets or real estate. Rates Annual Percentage Rate (APR), as low as Prime +1% and up to Prime +5%. Firstrust reserves the right to revise or rescind this offer at any time without notice. All loans and lines of credit are subject to credit approval and require automatic payment from a Firstrust business checking account.