Smart Business Lines of Credit

To meet changing business needs, it is important to have the financial flexibility to deal with a variety of regular or anticipated cash flow needs. When you request a Smart Business Line of Credit, we provide:

Personal assistance in determining your credit needs
An easy one-page application (Additional information will be required for requests exceeding $50,000)
Prompt turnaround, an answer in 48 hours
Easy access to your funds

With a Smart Business Line of Credit you can take advantage of business opportunities as they arise. Accessing your Smart Business Line of credit is easy and convenient when you request one or all of the following access methods:

Check
Online - through MechDirect for Business
Overdraft Protection - linked to your Mechanics Bank business checking account

The Smart Business Line of Credit is structured with a limit of up to $100,000 and you pay interest only when you borrow - allowing you to borrow when you need it and to pay it back when your cash flow improves.

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