Business Lines of Credit

Enjoy a fast and flexible way to borrow.

If you're thinking about opening a small business line of credit, ask yourself this: “Are my funding needs short term?” That’s one way to know if a line of credit is the right borrowing option for your business. For example, if you want to build inventory for the holidays, or temporarily supplement your working capital. You may only need extra cash a small amount at a time, and you may need to use it for a variety of business expenses.

Whatever your plans, a SunTrust small business line of credit gives you fast, flexible access to the cash you need, when you need it. And the best part is you only have to be approved once.

Here’s how it works:

  • You’re pre-authorized to borrow up to a specific amount
  • That amount gets secured by your business assets, though in some cases an unsecured option may be available if certain credit conditions are met
  • You can use funds and pay them back on a flexible basis—check writing is available for most business lines of credit
  • Interest only accrues on your outstanding balances, so on the amount of the line you’ve borrowed, not the untouched amount waiting to be used. Thus, interest varies.

If you’re thinking a small business line of credit might be the way to go, or you'd just like more information, a SunTrust representative can give you further details and help you decide which credit options are right for you. Simply call 800.752.2515.

DISCLAIMERS

Loans are subject to normal credit criteria.

Small Business Resource Center

  • Contact

  • Support

      24-hour automated assistance
      800.786.8787 (800.SUNTRUST)

       

      Online Cash Manager, PC Banking and Bill Pay
      800.382.3232

       

      TDD (Telephone Device for the Deaf)
      800.854.8965

       

      Report Checking Account Fraud
      800.447.8994 Option 1 - Option 3

       

      Lost or Stolen Card
      800.786.8787 Option 5

       

      Directory Assistance
      800.786.8787 Option 7 - Option 5

       

      International Toll Free
      800.ST.TRAVEL (800.7887.2835)

       

      Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.

  • Mail

       

      Write Us
      Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):
      SunTrust Bank
      GA-Atlanta-0795
      P.O. Box 4418
      Atlanta, GA 30302-4418

       

      Bank by Mail
      You may mail checking, savings, or money market deposits to (Be sure to include a deposit slip or your name and account number. Do not send currency via U.S. mail):
      SunTrust Bank, Special Handling
      VA-RIC-9292
      P.O. Box 27572
      Richmond, VA 23261-7572

       

      Consumer Loan/Line Payment Addresses Access 3 payment address
      SunTrust Bank
      P. O. Box 791274
      Baltimore MD 21279-1274

       

      All other lines of Credit Payments
      SunTrust Bank
      P. O. Box 79282
      Baltimore MD 21279-0282

       

      Consumer Loan Payments
      SunTrust Bank
      P.O. Box 791144
      Baltimore, MD 21279-1144

       

  • Wires

       

      For more details about Wire Transfers with SunTrust, call 800.947.3786

       

      SunTrust Incoming wire instructions:

       

      • For Domestic incoming wire use Routing ABA: 061000104
      • For International incoming wire use SWIFT/BIC: SNTRUS3A
      • Beneficiary account number: SunTrust full account number
      • Beneficiary name: The name as it appears on the SunTrust account

      SunTrust Incoming wire instructions are also available by calling 800.947.3786 - option 1