
Small Business Line of Credit
You can do money with a Business Line of Credit from Westerra Credit Union. Proudly serving Colorado businesses, we’re here to help you grow, thrive, and keep your dreams local with flexible, trusted support.
Buy Now, Pay Later
Always Available
No Annual Fee

A Business Line of Credit is perfect for:
Small business owners
Contractors
Freelancers
Who need flexible, reliable funding to manage cash flow, handle slow seasons, or bridge the gap between invoices. Whether you're navigating ups and downs or ready to seize new opportunities, Westerra’s Small Business Credit Line puts you in control—so you can do money and grow your dream with confidence.

Why You Need a Business Line of Credit:
Cover payroll with confidence during slow or unpredictable months
Purchase equipment or supplies when opportunities arise
Access emergency funds when the unexpected hits
Always available funds — only pay interest on what you use
Protect your accounts with built-in overdraft protection

Simplify your finances. Strengthen your business.
Boost your financial flexibility with a business checking account built to support your growth. Enjoy seamless fund transfers, low fees, and tools that work as hard as you do.
Frequently Asked Business Line of Credit Questions
A small business line of credit is a flexible financing option that lets you borrow up to a set limit and pay interest only on the amount you use. It works similarly to a credit card and is ideal for managing cash flow, covering unexpected expenses or seizing short-term opportunities.
You can use it for things like payroll, purchasing inventory, handling seasonal slowdowns, covering emergency repairs, or bridging gaps between receivables and expenses.
With a line of credit, you borrow only what you need and can reuse the funds as you repay them. A term loan provides a lump sum upfront that you repay over time with fixed payments. A line of credit gives you more flexibility for ongoing expenses.
Standard account and credit qualifications apply. All loans are subject to final credit approval. Rates and terms are subject to change without notice and are dependent upon credit performance. Visit Disclosures & Agreements | Westerra Credit Union (westerracu.com) to review Westerra’s Important Loan Information and Disclosures.