Lines of Credit

We know that each business has its own unique financial needs and requirements. That's why at KeyBank we offer several business line of credit options, allowing you to choose the option that is best for you and your organization.
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Business Responsive Line of Credit

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A revolving business line of credit with funds that can be used, paid back and then used again.

Benefits

  • No collateral required on Lines of Credit of $50,000 and less
  • Low monthly payments
  • Hassle-free renewal

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Rates & Fees

Application/Origination/Packaging fee Tiered
Annual fee Tiered
Collateral required Not for Lines $50K and less*
Interest only payments Yes, in the first year

Business Equity Line of Credit

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A 15-year secured credit facility that allows you to tap into the equity within your commercial real estate

Benefits

  • Flexible interest-only minimum payment option for the first five years
  • Additional 10-year repayment period of principal and interest, giving you the option to either keep your variable rate or convert to an adjustable rate product
  • Longer repayment period with lower overall payments
  • No annual fees

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Application/Origination/Packaging fee Yes
Annual fee None
Collateral required Yes
Interest only payments Yes
Line of credit with the option to lock in a fixed or adjustable rate Yes

Business Home Equity Line of Credit

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Ideal for start up businesses, the Key Equity Options® account, a type of small business financing that allows you to put the available equity in your home to work for your business

Benefits

  • Borrow up to 85% or 100% of your home's appraised value
  • $5,000 minimum for both options and $30,000 maximum line amount for 100% loan to value option
  • Interest may be tax deductible1

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Application/Origination/Packaging fee No
Annual fee Available Option
Collateral required Yes
Interest only payments Yes

Business Cash Reserve Credit

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Our Business Cash Reserve Credit* provides overdraft protection, eliminating risk and giving checking customers peace of mind.

Benefits

  • Funds transfer automatically into your KeyBank checking account
  • Competitive rates and fees
  • Minimum line amount $500; maximum line amount $10,000

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Rates & Fees

Application/Origination/Packaging fee No
Annual fee $45.00
Collateral required No
Interest only payments No
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