Key facts
| Product | Small-business lines & term 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 Wells Fargo, as of today, is shown to approved members. Sign in to see it.
Wells Fargo 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.
Wells Fargo alternatives
Other traditional bank loans & lines providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| 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 → |
| Bank of America Small-business credit lines & 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 Wells Fargo
Wells Fargo FAQ
How much does Wells Fargo cost?
The estimated rate for Wells Fargo, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Wells Fargo's underwriting.
How fast does Wells Fargo fund?
About 4 weeks from application to cash, based on typical timelines.
What are Wells Fargo's requirements?
Existing revenue, personal guarantee, usually 2+ years in business and profitable. Available in US.
Does Wells Fargo require a personal guarantee?
Yes. Wells Fargo asks for a personal guarantee.
What are the best alternatives to Wells Fargo?
Other traditional bank loans & lines providers include Chase (about 4 weeks); Bank of America (about 4 weeks); U.S. Bank (about 4 weeks). Compare all 5 side by side on B2B Agent.
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Is Wells Fargo your best option?
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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.