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.
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  • 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.
    1Property and flood insurance, if applicable, are required.
    2Qualification 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
    Annual Percentage Rate (APR)Special introductory rate for 12 months: Prime Rate - 0.50% then Prime Rate + 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 3/16/17, the Prime Rate was 4.00%.


Get special rates on ESL Business Line of Credit and Term Loans and grow your business your way.

Offer Ends April 15 >