Truist offers an unsecured business line of credit up to $100,000 (secured up to $250,000), but doesn’t publish its own rates — you find out pricing only after contacting a branch. If you want to compare real numbers before you apply anywhere, here’s what Truist actually discloses, what it doesn’t, and how REIL Capital’s line of credit compares.
What Truist Offers
Truist’s unsecured business line of credit runs up to $100,000, with a secured version reaching $250,000 against collateral. Unsecured terms run 12–36 months; secured lines can extend to 60 months. Truist does not publish specific interest rates on its own line-of-credit page — pricing is disclosed only after you contact a branch or lending specialist. Third-party estimates (not Truist’s own published figures) put its unsecured term-loan APR around 11.88%–16.67% and its unsecured LOC APR around 13.69%–19.58%, with eligibility commonly cited around a 700+ personal credit score and 2+ years in business.
Truist also offers SBA loans ($25,000–$5,000,000), but doesn’t support online SBA applications — a branch visit is required. Its BBB rating is A+ (accredited since 1986).
Truist vs. REIL Capital, Side by Side
| Factor | Truist | REIL Capital |
|---|---|---|
| Line of credit size | Up to $100,000 unsecured; up to $250,000 secured | Varies by borrower profile — get a quote for your specific range |
| Published rate | Not disclosed on Truist’s own site — contact a branch | Not a fixed published rate — priced per applicant, same as most lenders in this space |
| Eligibility (typical) | ~700+ personal credit score, 2+ years in business (third-party estimate) | Multiple products span different credit and time-in-business profiles — not a single bar |
| Application | Branch visit required for SBA products; online LOC application available | Fully online, no branch visit required for any product |
| Funding speed | Not publicly disclosed | Varies by product — ask about timelines for your specific financing type |
Neither Truist nor REIL Capital publishes a blanket rate — that’s normal for business lending, not a red flag on either side. The real differences are what each requires to apply and how the process runs.
When Truist Might Be the Right Fit
Truist is a well-established, A+ BBB-accredited bank with real scale — if you already bank there, want a secured line up to $250,000, or need an SBA loan and don’t mind an in-person branch process, it’s a legitimate option. Businesses with strong, established credit (700+) and at least two years of history are the ones best positioned to qualify.
When REIL Capital Makes More Sense
If you’d rather not visit a branch, need a faster initial conversation about your options, or don’t fit Truist’s typical credit/tenure profile, REIL Capital works with businesses across a range of financing types — lines of credit, invoice financing, SBA loans, and more — entirely online.
Frequently Asked Questions
Does Truist publish its business loan interest rates?
No. Truist’s own site says rates are “competitive” but discloses actual pricing only after you contact a branch or lending specialist. Third-party sites publish estimated ranges, but those aren’t Truist’s own numbers.
What credit score do I need for a Truist business line of credit?
Truist doesn’t publish a minimum on its own site. Third-party estimates put it around 700+ for the best terms, with smaller lines potentially available with a shorter credit history depending on revenue.
Can I apply for a Truist SBA loan online?
No. Truist requires a branch visit for SBA loan applications — there’s no fully online SBA application path.
Is REIL Capital’s rate lower than Truist’s?
Neither company publishes a fixed rate for comparison — both price based on your specific application. The honest answer is to get quotes from both and compare what you’re actually offered.
Compare Your Options With REIL Capital
Explore REIL Capital’s business line of credit, or call our team at 646-440-4100 to talk through what fits your business.
Weighing other lenders too? See our breakdowns of alternatives to a Wells Fargo business line of credit, alternatives to a Capital One business line of credit, and alternatives to SoFi business loans.
