Login to Online Banking

close

Top Results

Business Line of Credit

Get a small business line of credit to help solve cash flow challenges with payroll, inventory, or emergency expenses

Two business owners touring their new space bought with funds from the Business Line of Credit from Civic.
Red hand with money icon.
Access

Draw funds as needed

Login screen
Advance

Use your Civic account 

Civic icon of a person.
Support

Get help from our dedicated business team

Who needs a business line of credit?

Entrepreneurs know that managing operating costs can be a challenge. Increases or decreases in customers, long invoice payment cycles, and changing payroll needs can quickly impact your working capital needs. A Business Line of Credit1 gives you consistent, short-term funding when you need it to solve working capital challenges in small business. 

A Business Line of Credit is revolving and available on demand. It gives you consistent access to funding so you can make decisions with confidence. Payments are based on the money you use. Keep your business moving forward with a Civic Business Line of Credit.

Male business owner looking at all the digital features offered at Civic.

Terms

  • Revolving access starts at $1,000
  • Maximum of $30,000 (unsecured only) 
  • Annual paydowns required 
  • Business Line of Credit is subject to approval

Features

  • Choose automatic payment options 
  • Use online banking, mobile app2
  • Low business line of credit rates
  • Get consistent access to funding

Ready to get to business?

Apply for a Business Line of Credit to help manage gaps in your business working capital

Need additional assistance?
We're here to help

Step 1/5

More to explore

We thought these may be helpful too

Small craft beer brewer taking a delivery of inventory bought with a Civic Business Term Loan.

Business Term Loans

Small Business Term Loans can help you solve your short-and long-term business financing needs with no pre-payment penalties.

  • Secured business term loan has minimum loan amount of $10,000 
  • Secured loan terms range from 1 year to 10 years 
  • Unsecured business term loan has $1,000 loan amount minimum 
  • Unsecured business term loan terms are up to 3 years
Smiling small business owner showing open sign in her new shop purchased with Civic Business Real Estate Loan.

Business Real Estate Loan

Run your business as a property owner instead of renter, with a Business Real Estate Loan.

  • Business Real Estate Loan terms up to 10 years 
  • Amortization options up to 30 years 
  • Up to 70% or 80% LTV available 
  • No pre-payment penalties, just applause

Apply for a Business Line of Credit today and be ready for working capital gaps

Solve cash flow challenges with on-demand, revolving credit from Civic. This Business Line of Credit can help you prepare for and manage funding gaps related to payroll, invoice cycles, or business emergency expenses.

1 All Business Lines of Credit are subject to approval, including credit approval. Credit, collateral and underwriting standards apply. Member pays document preparation fee. All rates and offers are subject to change. Please contact a Business Development Team member for details. 

2 Message and data rates may apply.