Call or Text
(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
Submit a Question to our Support Team
or send us a message from inside online banking.
Commercial Lines of Credit
Flexible funding that keeps your business moving.
Take Control of Your Cash Flow
Running a business means dealing with ups and downs in cash flow. A commercial line of credit gives you the flexibility to handle those changes without locking you into a large, one-time loan. Instead of receiving a lump sum upfront, you can access funds as needed and repay them on your schedule, much like a credit card—but designed for business needs.
This type of financing puts you in control. You choose when to borrow, how much to use, and when to pay it back. Interest is only charged on the funds you actually use, not on the full credit limit. That means you’re not paying for money sitting unused. Whether you’re covering short-term expenses, managing seasonal swings, or taking advantage of a time-sensitive opportunity, a line of credit gives you quick access to working capital when it matters most.
Because funds revolve as you repay them, a line of credit can support your business again and again. It’s a smart option for businesses that want flexibility, predictable access to cash, and a way to respond quickly to everyday financial needs without reapplying for a new loan each time.
Talk to a Business Expert
Contact our team today to help get your business started with Positive Pay!
(801) 223-7665 | [email protected]
Available M–F 9am–5:30pm
Flexible Fund Access
Access funds when needed and repay over time without reapplying or taking more than your business requires.
Interest on Usage
Pay interest only on the amount you borrow, helping you manage costs and protect cash flow.
Cash Flow Support
Cover short-term expenses, seasonal changes, or unexpected costs without disrupting daily operations.
How a Commercial Line of Credit Supports Growth
A commercial line of credit is more than a safety net—it’s a planning tool. It helps businesses stay prepared for both challenges and opportunities. When expenses come up before revenue does, having access to funds can keep operations running smoothly without disrupting your budget or delaying payments.
This type of credit also supports growth. You can use it to purchase inventory, handle payroll during slow periods, or invest in equipment repairs without draining your cash reserves. Because funds become available again as you repay them, your line of credit stays ready for future needs. That ongoing access helps reduce stress and improves financial stability.
Lines of credit are especially helpful for businesses with changing expenses or uneven income. Instead of guessing how much money you’ll need months in advance, you can respond in real time. With clear limits, simple access, and flexible repayment, a commercial line of credit gives you confidence to manage today’s needs while preparing for tomorrow.
Frequently Asked Questions
What can a commercial line of credit be used for?
It can be used for working capital, payroll, inventory, short-term expenses, or unexpected costs.
How is a line of credit different from a business loan?
A loan provides a one-time lump sum. A line of credit lets you borrow, repay, and borrow again as needed.
Do I pay interest on the full credit amount?
No. Interest is only charged on the funds you actually use.
Is a commercial line of credit short-term or long-term?
It’s designed for ongoing, short-term needs, but it can support your business over the long term.