Secured Working Capital Lines of Credit

Designed to finance short-term needs.

A Secured Capital Working Line of Credit is designed to finance short-term or seasonal needs and uses owner-occupied real estate to secure the loan. Available for small and commercial businesses, the line of credit allows you to get a first and second mortgage and offers up to 85% (small business) or 100% (commercial) loan-to-value. For small businesses, this line of credit is available only in Florida or Texas.
Must be in in Business for two or more years. Must be a Florida or Texas resident.
There may be other requirements, please inquire at a local branch.
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Benefits of a Secured Working Capital Line of Credit

Cover Immediate Expenses

Pay for short-term or seasonal needs.

Secured by Real Estate

Secure the loan with owner-occupied real estate, and get a first and second mortgage.

Loan-to-Value

Up to 85% for small businesses and up to 100% for commercial businesses.

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Applying for a Secured Working Capital Lines of Credit

Getting started is simple.

1
Step One

Visit a nearby branch to speak with one of our banking specialists
2
Step Two

Or, contact us, and we’ll be in touch
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Questions About Secured Working Capital Lines of Credit. Answered.

A working capital loan is used to finance everyday business operations to help bridge financial gaps. A Secured Working Capital Loan is a loan with a repayment backed by a company’s assets.

Secured Working Capital Lines of Credit can help your business by not only bridging financial gaps but cover periods of low activity in a seasonal business.

Visit a nearby Amerant branch to speak to one of our expert banking specialists, or make an appointment online!

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USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

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Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.