Skip To Content

Business Line of Credit

The flexible and affordable ESL Business Line of Credit is a great tool for managing money and achieving business goals.

A business line of credit gives me the extra working capital I need, when I need it.

Apply for an ESL Business Line of Credit today.
Apply Now  Chat Now
  • Features & Benefits

    Growing businesses today need financing that’s flexible, affordable, and easy to access. And that’s exactly what you’ll get with an ESL Business Line of Credit.

    • Powerful financial flexibility. Our lines of credit are available for amounts starting at $10,000.
    • Appealing economy. You’ll find that our line of credit interest rates are very competitive.
    • Opportunity to earn dividends. When you open an ESL Business Line of Credit, your balances qualify for our unique Owners’ Dividend.*
    • Expert assistance and outstanding personal service. Our knowledgeable business banking representatives will go out of their way to streamline the process for you.
    All rates subject to change without notice. Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. A penalty may apply for early withdrawal. Fees could reduce earnings in these accounts. * Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.
  • Easy Access

    Once you open an ESL Business Line of Credit, you can access your money—quickly and easily—around the clock. All you have to do is:

  • How to Apply

    It’s easy to apply for an ESL Business Line of Credit.

    We look forward to helping you take advantage of the flexible and affordable financing you need to move your business forward.

    The ESL Business Line of Credit: It’s another way that ESL answers to you.

  • Rates

    Business Line of Credit

    Business Lending Relationships
    Annual Percentage Rate (APR)
    Business Lending RelationshipsUp to/including $100,000
    Prime - 0.50% for 12 months
    then Prime +1.75%
    Business Lending RelationshipsExceeding $100,000
    Annual Percentage Rate (APR)Contact us for pricing at 585.336.1315 or complete an online request

    Rates accurate as of

    As of 3/22/18, the Prime Rate was 4.75%.