Business Lines of Credit

Woman and man in an office working on their financials. Sandy Spring Bank.

Timing is a key element in any successful business strategy, and that includes knowing when to take advantage of lending opportunities.  A proactive approach puts you in a strong position to weather ups and downs seamlessly and our lines of credit options can help.

Sandy Spring Bank offers a variety of different types of lines of credit and letters of credit, depending on your needs and includes Flex Business, Wealth Secured1 and Working Capital.

  • Amounts available from $1,000 - $1,000,000 for certain lines.
  • Annual fees waived for the first year for certain accounts.2
  • Revolving line options so you have funding whenever you need it.
  • Other lines types can help finance accounts receivable for short-term working capital, leasehold improvements, equipment or permanent working capital. 
  • Letters of Credit guarantee performance under a contract or a financial obligation and range from $1,000 - $250,000.

If these options sound like an opportunity for your company, give us a call or stop by one of our conveniently located branches to speak with a professional.

  • Disclosure

    1Loans collateralized by securities involve a higher degree of risk and may not be suitable for all investors. This credit line requires an account with Sandy Spring Trust or West Financial, which are part of Sandy Spring Bank. Sufficient eligible collateral is required to support the request, and all securities are subject to credit approval. Securities and investment products are not FDIC insured, have no Bank guarantee, may lose value, are not insured by any Federal Government Agency and are not a Bank deposit. All credit solutions should be discussed with your Sandy Spring Private Banker and your wealth, tax or legal advisor to help you understand the risks and opportunities of using credit strategies to reach your financial planning goals. Private Client Group products and services are available for consumers meeting income and asset eligibility requirements. Please inquire for more information. Sandy Spring Private Client Group is a part of Sandy Spring Bank. 

    2Annual fee of $100 waived for the first year for Flex Business Lines of Credit and an annual fee equal to 1.00% of the total line amount is waived for the first year of other lines of credit when opened through a Community Banking representative.

    The terms expressed above are intended for discussion purposes only and do not in any way represent a commitment or obligation to lend or extend credit. This is not an offer and is subject to the receipt of a completed application and the completion of the Bank’s formal credit review, underwriting, and approval process. Additional terms and conditions may apply. Please inquire for additional information.

    View our Fair Lending Policy statement online.