Things to consider when preparing to apply for an unsecured business line of credit: Typically, guarantors have a FICO® Score of at least 680 at time of application. A Wells Fargo BusinessLine® line of credit account requires personal guarantees from any owner with 25% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership. A Wells Fargo Small Business Advantage® line of credit account requires personal guarantees from any owner with 20% or more ownership in the applicant business, with a minimum combined aggregate of 51% ownership. Additional information related to applying for credit can be found at our Business Resource Center: All business applicants are unique and some exceptions may apply. All applications are subject to final credit approval., A business line of credit is essential to managing your business’s cash flow, covering unexpected expenses and investing in growth opportunities. But how do you choose the right business line of , Wells Fargo's Small Business Advantage® and BusinessLine® accounts offer businesses varying credit limits, rates, and fees for unsecured lines of credit. Apply now!.