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Small Business Loans and Lines of Credit Comparison Chart

	Visa® BusinessCard®	Small Business Line of Credit	Small Business Term Loan	Small Business Letter of Credit
Loan Purpose	Cash flow management Entertainment Travel Office supplies	Short-term working capital Seasonal purchases Inventory	Equipment or vehicle financing Business expansion Long-term working capital Refinancing business debt	Guarantee of payment Large security deposits
Loan Amount	Up to $50,000
Collateral	Unsecured	Unsecured Capital One^® Savings Account/CD	Unsecured Equipment¹ Vehicle¹ Capital One Savings Account/CD	Unsecured Capital One Savings Account/CD
Repayment Terms	Revolving		Fixed 3, 4, or 5-year terms	Fixed 1-year term
Monthly Payment	Minimum payment amount (depends on balance)		Principal and interest, fully amortized based on term	If funded, payable on demand
Payment Method	By check or automatic payment from your Capital One Business Checking or Savings Account
Interest Rate	Variable rates based on Wall Street Journal Prime, plus a spread determined upon approval.		Fixed rate (varies based on loan term and collateral)—rate determined upon approval	Determined when/if funded
Access	Phone Check Credit card ATM	Phone Check Online Banking TowerNET^SM ATM (includes overdraft protection)	Funds deposited into your Capital One account or via cashier's check²	Does not apply
Additional Benefits	$0 Fraud Liability Free year end summary Employee cards with no annual fees 24/7 account access Great Visa benefits like Purchase Security and Extended Protection	Quick access to cash Free Online Banking Overdraft Protection available for a Capital One Business Checking Account	Pre-approval available Quick way to finance business assets Free Online Banking	Conserves cash ordinarily used for security deposits
	Visa® BusinessCard®	Small Business Line of Credit	Small Business Term Loan	Small Business Letter of Credit

When you're ready to open ac account, apply online, by phone at 1-888-755-BANK (2265), or at any branch location.

¹ Loan proceeds must be used to purchase the equipment or vehicle pledged.

² Unsecured term loans are funded by deposit into your Capital One business checking account.

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