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Secured Business Line Of Credit

Your Business Strengthens Our Community — And We’re Supporting Your Cash-Flow Goals in 2026 

Whether you're managing receivables, navigating seasonal cycles, or supporting operational needs, Riverview Bank is committed to strengthening your cash-flow strategy with competitive secured line-of-credit financing. 
 

First 6 Months: WSJ Prime + 0.00%

 

(No additional margin • Secured business lines of credit up to $500,000) 

Flexible Working Capital • Local Decisions • Relationships That Put Business Owners and Nonprofits First 


 

Secured Business Line of Credit Features 

  • Introductory Rate — First 6 Months
  • WSJ Prime + 0.00% with a floor rate of 6.50% floor, on 24-month term 
  • After the First 6 Months 
  • Rates start as low as WSJ Prime + 1.00%* with a floor rate of 6.50% (Standard secured business line-of-credit pricing applies thereafter.) 
  • The $150 documentation fee is waived. 
  • A 0.25% origination fee applies ($150 minimum) 
  • Competitive promotional pricing  
  • Standard annual loan fees and third-party costs (such as UCC filings and legal review) may apply. 
 

 

Secured Line Amounts 

  • $10,000 – $500,000
  • Secured by business assets through a UCC filing 

 
 
























*Promotion valid: January 31 – April 30, 2026. Applications must be submitted into Riverview Bank’s loan system by 5:00 PM PT on April 30, 2026. Riverview Bank may modify or discontinue this promotional program at any time. Business must maintain a Riverview Bank operating checking account, establish automatic payments (autopay), and maintain overall business banking relationship. Standard Rates start as low as WSJ Prime + 1.00%, which reflects the lowest available secured business line of credit pricing.  Final pricing is risk based and determined by creditworthiness, collateral position, guarantor strength, and overall banking relationship. The maximum margin above WSJ Prime will not exceed +3.75%. All credit requests are subject to credit approval, underwriting standards, and collateral evaluation. Annual Percentage Rate (APR) may vary from the stated interest rate and is based on creditworthiness, collateral, loan amount, term, and applicable fees. APR will be disclosed in the final credit approval documentation. For the first six months, the interest rate equals the Wall Street Journal (WSJ) Prime Rate + 0.00%. Promotional rates include a 0.50% discount for automatic payments drafted from a Riverview Bank account.  If automatic payment is discontinued at any time, the margin over the WSJ Prime Rate will adjust to +0.50% for the remainder of the loan term. After the introductory period, the line adjusts to Riverview Bank’s standard secured business line of credit pricing based on WSJ Prime plus an assigned margin. Margins generally range from WSJ Prime + 1.00% to WSJ Prime + 3.50%. Continuation beyond the introductory period is not guaranteed and is subject to annual review, credit performance, and relationship requirements. Riverview Bank may reduce, suspend, or terminate a line based on loan agreement terms or changes in borrower credit or collateral condition. Secured business lines of credit are generally issued with 24-month terms subject to annual review and renewal. When the line of credit is secured by real estate, terms may be structured for up to 5 years depending on collateral, underwriting, creditworthiness, and borrower relationship. This promotion applies only to new secured business lines of credit or secured lines refinanced from another institution, up to $500,000. Existing Riverview Bank business lines of credit do not qualify, including renewals, extensions, increases, rewrites, or restructures. Funds may be used for general business working capital. Funds may not be used for real estate acquisition, long-term capital expenditures, equipment requiring amortization, or personal use. The $150 documentation fee is waived. A 0.25% origination fee applies ($150 minimum). Standard annual renewal fees and third-party costs (such as UCC filings and legal review) may apply.