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

  • Mailed / Office Pick Up - Physical Check
  • Online - through Business Online Banking or Advanced Business Banking
  • Overdraft Protection - linked to your Mechanics Bank business checking account*
  • Phone

The Business Operating Line of Credit is structured with a limit of up to $250,000 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.

For more information about these business services, please visit one of our offices or contact us at 800-797-6324.

*Feature available for Business Operating Line of Credit up to $100,000.