Small Business Line of Credit (LOC)

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A revolving business line of credit that can be used to cover everything from stop-gap working capital requirements to seasonal purchases and ongoing inventory needs.

  • Access funds just by writing a check
  • Flexible repayment terms
  • No prepayment penalties
  • No annual renewal hassles
  • No financials required on most lines of credit of $50,000 or less*
  • Secured and unsecured lines of credit available
  • Easy access to your account by phone, check, Online Banking, TowerNETSM for Business, and ATMs
  • Special introductory rate of just 3.99% for six months1

After submitting your application, you will be required to visit a branch office in Texas or Louisiana to complete the process.  You will be required to open a Capital One Small Business DDA if you do not already have one. Additionally, if you are a new customer, you are required to sign a 4506T form which will allow Capital One access to your Federal Tax information.

or call toll-free 1-888-755-BANK (2265)
Plus, we'll waive the origination fee and your annual fee for the first year.

Capital One only offers term loans and lines of credit in Louisiana and Texas

Additionally:

  • You must be 18 years or older to apply
  • You must be a principal owner of the company, with at least 50% ownership
  • Your business must have been in existence for at least 24 months

* If you have less than 50% ownership, own a start-up business or an existing business with less than an 24 month history, we'll have to ask you for some additional information in order to qualify you for a business term loan.

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1 3.99% introductory annual percentage rate (APR) is good on new small business lines of credit up to $50,000.Offer subject to change without notice. The introductory rate is good for 6 consecutive months only.  After the introductory period, your rate will be based on The Wall Street Journal prime rate, plus a spread determined upon approval.