What is the Easiest Business LOC to get?

[Anonymous]

Looking for one that is new business friendly our business has been open since 12/16 annual sales ~80k

Only looking for about a 10k LOC to pay some Business CC debt over a longer term at a lower interest rate.

Personal FICO between 705 and 733 depending which CRA.

What are your thoughts?

[Creditaddict]

US Bank or Wells Fargo even though I dislike Wells Fargo.

[Anonymous]

Hmm we applied Wells and they approved us for a 10k one (which comes with an AF) but then we requested one for 9k because it has no AF and they sent us a letter saying it was declined. So That's out, even though we've had a personal banking and credit card history with them for nearly a decade, we'll look into US Bank.

[Anonymous]

Looking at US Bank there's no online app

Do you know of any others? We really only need about 10k and would like a rate of about <6%

[Anonymous]

Went into a USBank branch they only had two options:

1) 18% Apr LOC called an "overdraft reserve" account

2) Cash Flow Option but requires 2 years in biz we're only open 9 months.

Any options for us? Just need about an extra 4-6 months to pay off 10K on biz credit cards cash flow has just been stabilizing over the last 2 months.