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Business Line of Credit

Financial Help For Short-term Capital Needs

Maintaining consistent cash flow can be a struggle. For this, we offer a line of credit made just for businesses. Our flexible overdraft and working capital lines of credit are perfect for short-term items like materials or everyday operating expenses.

  • Low rates

  • Principal & interest, or Interest only payment terms

  • Dedicated Business Service Team

Plus you’ll have the added convenience of secure online business banking:

  • View loan details

  • Control staff permissions

  • Auto-pay

  • Auto-transfer from other First Source accounts or institutions

Or if you would prefer, we have several convenient branches, Interactive ATM locations, and 24/7 secure night depository services.


Common Requirements for Business Line of Credit

Applying for a Business Line of Credit Loan includes gathering some basic information about your business. Traditional details needed include: 

  • Showing how long your business has been in operation

  • Showing how long you have done this type of business personally

  • Seeing what your business’ revenue stream looks like

  • Asset vs liability ratio

  • Business license

  • Tax returns

  • Standard financial documents such as P&L, AR, AP, Cash Flow, and more


Business Smarter

If your business is located in Oneida or Herkimer County, we are here to help. Call 315-735-8571 to talk about your Business Line of Credit options or make an appointment with one of our friendly and knowledgeable Business Service Representatives today.

Let’s Get Started

Make an appointment with one of our friendly Business Service Representatives today.

Make an Appointment