Wachovia lines of credit are essential tools for small business owners who need capital to support projects or to update their businesses. You can get a line of credit at Wachovia for all of your short-term business or personal projects and access your Wachovia line of credit funds by simply writing a check.

Wachovia lines of credit are available in amounts that range from $5,000 to $750,000 and are suitable for all of your possible personal or professional needs. Whether you need Wachovia personal lines of credit, business lines of credit or traditional lines of credit, an experienced banker can guide you through the application process. When considering Wachovia LOC, you should:

1. Work with a Wachovia banker who has vast knowledge on Wachovia unsecured lines of credit who can assess your specific needs to match you with the most appropriate traditional line of credit for your needs.

2. Check the interest rates of Wachovia business lines of credit and Wachovia personal lines of credit to ensure you receive the Wachovia LOC that is suitable for you.

3. Research the advantages and disadvantages of the various types of Wachovia lines of credit to determine which line of credit at Wachovia matches your needs.

Action Steps
The best contacts and resources to help you get it done

Speak with a bank representative experienced with Wachovia lines of credit

Discuss your Wachovia business banking options with an experienced bank representative who can explain the details of Wachovia personal lines of credit and Wachovia unsecured lines of credit and who can answer questions specific to your unique business needs.

I recommend: Locate a Wachovia branch in your area to meet with a representative about Wachovia traditional lines of credit. For your convenience, call to talk with a national Wachovia bank representative about your Wachovia LOC options.

Apply for Wachovia lines of credit

Wachovia makes it easy to apply for a Wachovia revolving line of credit, commercial line of credit or personal line of credit. Use convenient online forms that are safe and secure to apply for the Wachovia LOC that make sense for your unique business needs.

I recommend: Apply for a Wachovia business line of credit and receive approval within two days of your application submittal. If a Wachovia business equity line of credit is more appropriate for your needs, apply online or at a branch in your area and receive notice of approval within 24 hours of when your application is submitted.

Familiarize yourself with the types of Wachovia lines of credit that are available

Knowledge of Wachovia LOC is essential when choosing the Wachovia business banking options that are right for your specific situation. Understand the terms of each Wachovia line of credit offered to choose the line of credit at Wachovia that is suitable for your needs.

I recommend: Wachovia traditional lines of credit offer credit lines from $50,000 to $750,000 at competitive rates that are appropriate for businesses that need steady capital for daily expenses and special projects. If you don't need a large amount of capital and need overdraft protection and the convenience of debiting your capital, seek a Wachovia business line of credit.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Know the interest rates of Wachovia personal and business lines of credit before you speak with a bank representative. If offered an interest rate that is high, you can ask for a lower interest rate.