Business Lines of Credit

A Business Line of Credit provides your company with the flexibility and access to funds when you need them most. Whether for emergency expenses, managing cash flow, or funding short-term projects, a line of credit gives you the freedom to borrow only what you need—up to your credit limit.

At Capon Valley Bank, we offer both secured and unsecured business lines of credit designed to help your business manage expenses efficiently and adapt to changing financial needs.

Secured Business Line of Credit

A secured line of credit requires collateral, such as real estate, equipment, or other business assets, to back the credit line. With a secured option, businesses may be able to access larger credit limits and enjoy lower interest rates. This option is ideal for businesses looking to maximize their borrowing potential while providing security to the lender.

Unsecured Business Line of Credit

An unsecured line of credit does not require collateral, providing greater flexibility and ease of access to capital. While the interest rate may be slightly higher compared to secured lines of credit, unsecured lines provide fast, flexible access to funds without risking assets. This option is great for businesses that need short-term financing or working capital without pledging collateral.

Key Features & Benefits of a Business Line of Credit

• Flexible Access to Funds – Borrow only what you need, when you need it, up to your credit limit.
• Competitive Interest Rates – Whether secured or unsecured, enjoy affordable rates that fit your business budget.
• Revolving Credit – Pay off your balance, and your available credit is replenished—ready for you to use again.
• Manage Cash Flow – Easily cover operating expenses, seasonal fluctuations, or unexpected costs.
• Quick, Local Service – Work directly with our team to ensure your credit line matches your needs.

Why Choose Capon Valley Bank for Your Business Line of Credit?

• Local Expertise & Personalized Service – We understand the unique needs of local businesses and offer tailored solutions.
• Quick Application Process – Get the funds you need without delays, with local decision-making and a simple application process.
• Flexible Terms – We offer terms designed to fit your business cash flow and goals.

Get Started with Your Business Line of Credit Today

Whether you need a secured or unsecured line of credit, Capon Valley Bank offers the flexibility and financial support to help your business thrive.

📞 Contact us today at 304-874-3531 or visit a branch to learn more and apply for your business line of credit!