Small Business Banking

Business Lines of Credit

No matter what your business requires, our business credit lines can be used to finance a wide range of short-term and recurring needs up to $5,000,000. With a continuously available revolving line of credit, you can take care of cash flow gaps, unexpected costs, and business opportunities.

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  • Allows your business to be more adaptable
  • Finance seasonal or recurring needs
  • Purchase inventory and pay operating expenses
  • Increase working capital

Business Credit Account

Ideal if your business needs convenient access to cash for short-term needs

Line Amount

$10,000 - $250,000



Interest Rates

Variable rates

Relationship Ready Credit

Ideal if your business has larger working capital needs

Line Amount

$250,000 - $5,000,000



Interest Rates

Variable rates

Business qualifications and requirements

Qualifying for a business loan is easier when you’re prepared. Take a look at some of Citi’s criteria below.

  • Established and operating within the U.S.
  • Maintain a Business checking account with Citi
  • Personal guarantees by all owners who collectively own at least 51% of the business

How to apply

Prepare your documents

Get the documents you need before you visit the branch.

What to Bring

Visit a branch

Complete an application with us by visiting your nearest Citibank branch.

Locate a Branch

Still have questions?

Call our customer service specialists

For TTY: We accept 711 or other Relay Service.
We're available Mon-Fri 7 AM to 11 PM ET and Sat-Sun 9 AM to 5:30 PM ET.

Looking for a different lending solution?

All commercial loans and lines of credit are made by Citibank, N.A., an equal credit opportunity lender, and are subject to satisfaction of Citibank's underwriting and credit approval.