Commercial Line of Credit | Sunstate Bank
Business
Business

Commercial Line of Credit

Flexible Business Financing - Your Credit, Your Control

When opportunity knocks - or when cash flow dips - Sunstate Bank’s Commercial Line of Credit provides the flexibility and power your business needs to respond. A short-term revolving credit line, it lets you borrow, repay, and borrow again within your approved limit - with interest only on the funds you draw.

A business man sits at his desk and gazes out the window

Why Choose a Commercial Line of Credit?

Ongoing Access to Capital

Withdraw funds as needed, up to your line limit. Ideal for managing seasonality, payroll, inventory, or unexpected needs.

Interest Only When You Draw

Save on costs-only the amount you use accrues interest.

Flexible Use & Repayment

Use the funds how your business needs-then repay when you can. Draw again later.

Secured or Unsecured Options

We offer both collaterally-backed (lower rate) or unsecured options, based on your business profile.

Fast, Local Decision-Making

Benefit from our community approach-personalized underwriting, friendly service, and quick approvals.

A man holds a tablet and works on inventory

Is This Right for Your Business?

This product is ideal if you need:

  • Prepare for seasonal demand spikes
  • Fund inventory purchases or accounts receivable gaps
  • Cover short-term working capital needs
  • Avoid front-loading costs in advance
  • Smooth out unpredictable cash flow cycles
Two women at a table discuss a Commercial Line of Credit

How It Works

Apply with your Sunstate Business Banker

  • Let’s review your credit needs and business plans to set an appropriate credit line.

Flexible Access

  • Withdraw using checks, transfers, or ACH-whatever works best for you.

Repay on Your Schedule

  • You pay interest only on drawn amounts and can re-borrow as long as you stay within your limit.

Dedicated Support

  • Your banker will monitor your account and ensure you always have the right tools for success.

Why Sunstate Bank?

  • Trusted Community Bank Since 1999
  • Local Decision-makers & Dedicated Business Lenders
  • Transparent, Personalized Service in English, Spanish & Portuguese
  • Flexible Loan Options for Every Business Goal
  • Named Miami-Dade’s Favorite Bank, 2023 & 2024

Features & Flexibility

Line Type Revolving - draw, repay, draw again
Interest Applied only to drawn balance
Approval Fast, with local decision-making
Ideal For Businesses with cyclical or variable cash flow

Ready to Access Capital When You Need It?

Let’s talk about your business needs, review your options, and get you set up for success.

Contact a Business Banker

*For full account disclosures, please call or stop into one of our branches. All loans are subject to credit approval. Terms may vary based on creditworthiness and collateral.