Key facts
| Product | Small-business credit lines & loans |
| Funding type | Traditional bank loans & lines |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 4 weeks |
| Typical size | Varies |
| Term | 12–84 months |
| Requirements | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| Regions | US |
| What they underwrite | Your profits, history & collateral |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly or revolving |
| Dilution | None |
The estimated rate for Bank of America, as of today, is shown to approved members. Sign in to see it.
Bank of America pros and cons
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Pricing isn't public
- Requires a personal guarantee
- US only
Established, profitable businesses with a few years of financials that want cheap, flexible credit.
Usually needs 2+ years in business, profits, collateral, and a personal guarantee. Few startups qualify early.
Bank of America alternatives
Other traditional bank loans & lines providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Wells Fargo Small-business lines & term loans |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
| Chase Business lines of credit & term loans |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
| U.S. Bank Small-business loans & lines |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
| Credit unions & community banks Local business loans & lines |
Rates shown to approved members | About 6 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
Compare Bank of America
Bank of America FAQ
How much does Bank of America cost?
The estimated rate for Bank of America, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Bank of America's underwriting.
How fast does Bank of America fund?
About 4 weeks from application to cash, based on typical timelines.
What are Bank of America's requirements?
Existing revenue, personal guarantee, usually 2+ years in business and profitable. Available in US.
Does Bank of America require a personal guarantee?
Yes. Bank of America asks for a personal guarantee.
What are the best alternatives to Bank of America?
Other traditional bank loans & lines providers include Wells Fargo (about 4 weeks); Chase (about 4 weeks); U.S. Bank (about 4 weeks). Compare all 5 side by side on B2B Agent.
Work at Bank of America?
Show customers that you're listed. This badge links back to your independent profile. Awards are recalculated whenever listings change: see the 2026 winners and rules.
Something out of date? Update this listing and we'll review it within two business days.
Is Bank of America your best option?
Price Bank of America against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.