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Have financing at the ready whenever your business has a need to fulfill. An operating line of credit offers peace of mind, knowing you can ride out any rough spots with ease.

Enjoy the flexibility to use what you need, when you need it — and only pay interest on what you use. From renovating your law office to buying raw materials for manufacturing, a line of credit can help your business get what it needs to succeed.

  • Competitive rates for long-term or seasonal business needs:
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
    • And more
  • Flexibility to use what you need, when you need it
  • Pay interest only on what you use
  • Reuse without having to reapply
  • Funds easily available via business online banking transfers, in-person withdrawals, and phone transfers
  • in-person or phone transfers to a specified BankVista checking account
  • In-house processing for expediency and efficiency
  • Personalized, attentive service

Items Required

  • Loan Request, Purpose and Terms
  • Business Overview and History
  • 3 Years Business Tax Returns
  • 3 Years of Accountant Prepared Statements (If Available)
  • Year-to-Date Balance Sheet And Income Statement
  • Accounts Receivable Aging  and Accounts Payable Aging (Operating Companies)
  • Current Debt Schedule
  • 1 Yr Projected Financial Statements  (New Start-up Business or Purchase of an Existing Business)
  • 3 Years Personal Tax Return on Each Guarantor including K1s
  • Personal Financial Statement on Each Guarantor