Skip to main content

Before you go

You are about to leave Flagstar is not responsible for the content on other sites.

Business Lines of Credit

Access money when you need it with a business line of credit from Flagstar Bank.

Flexibility to keep you 
ahead of unpredictability

Icon of a checkmark

Mind the cashflow gap

In business, unforeseen challenges arise—shortfalls or expenses. A credit line ensures bills are covered.

Icon of a checkmark

Use and repay as you go

You only pay interest monthly on what you borrow.

Icon of a checkmark

Getting started is simple

Pick up the phone or drop by a branch to talk to a Flagstar team member.

Secure short-term working capital with a business line of credit

Fund your short-term needs and help keep your long-term outlook healthy. A Flagstar business line of credit lets you access capital with more flexibility to meet your company cashflow cycles. You’ll be able to borrow any amount up to your determined limit, repay it, and borrow again as often as you need. Plus, you’ll only pay interest on the amount borrowed. Speak to a Flagstar team member today and find the right plan for your working capital needs.


  • Provides working capital
  • Available for loans starting at $10,000
  • Floating interest rate
  • Collateral is required and may include accounts receivable, inventory, machinery and equipment, real estate, marketable securities, cash, and/or certificates of deposit
  • No amortization, and payments are interest only
  • Fees may include an application fee, origination fee, annual fee, and/or out-of-pocket costs

First things first

Follow these steps to start your line of business line of credit application process:

  1. Visit your local Flagstar branch to get started. We’ll explain the process and supply you with the documents needed for your application.
  2. Complete a business loan application.

To apply for a business line of credit, you must:
  • Meet established lending requirements and obtain credit approval.
  • Be established for at least one year (two years if requesting an unsecured line of credit).
  • Have a satisfactory business and personal credit history.
  • Be profitable with sufficient cash flow to meet both your new and current financial obligations.
  • Have adequate business income to support the new loan with no reliance on investment income.

Let’s connect

It all starts with a conversation. Pick up the phone or drop by a branch, and one of our team members can help answer any questions.

Person with a text bubble

Talk to a Flagstar team member by phone.

Call us and we’ll connect you with an expert.

Person with a location pin

Meet a Flagstar team member in person.

Visit a Flagstar Bank location near you and find an expert.

Loans and lines of credit are subject to credit review and approval and underwriting terms and conditions. Loan repayment via auto-debit from a Flagstar checking account is required for all loans. Established credit criteria must be met. Apply at your local Flagstar branch. Fees may include a set-up fee, annual fee, and out-of-pocket costs. Online banking access for secured line of credit limited to view-only option.