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Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs.

Business Advantage

Small Business Financing, Loans & Funding

Find the right financing to grow your business

Flexible loan options and competitive interest rates

Business Advantage Credit Line

Business Advantage Credit Line

Get funds whenever you need them with no collateral required

Competitive interest rates
Monthly payments based on your balance
Revolving terms with annual renewal

Apply for a credit line

Learn about credit lines

Business Advantage Term Loan

Business Advantage Term Loan

Get lump-sum working capital with no collateral required

Competitive interest rates
Fixed payments over the life of loan
Convenient repayment terms

Apply for a term loan

Learn about term loans

Business Advantage Auto Loan

Business Advantage Auto Loan

Purchase or refinance cars, vans and light duty trucks at a great competitive rate

30-Day Rate Lock Guarantee¹
Convenient repayment terms
Easy online application
Exclusive Mercedes-Benz incentives >

Apply for an auto loan

Learn about auto loans

Commercial Real Estate

Commercial Real Estate

Expand your business through purchasing or refinancing the land or building

Loans or lines of credit up to $2 million
Secured by the Owner-Occupied Commercial Real Estate (OOCRE)²

Learn about commercial real estate loans

Practice Loans

Loans or lines for your dental, veterinary or medical practice

Flexible terms and repayment options
Loan amounts up to $5 million
Start or expand your practice with a dedicated healthcare financing specialist

Learn about practice loans

Equipment Financing Loans

Equipment Financing Loans

Purchase the equipment your business needs to optimize your success

Competitive fixed rate
Flexible terms up to 5 years

Learn about equipment loans

Learn about auto loans

Secured Business Line of Credit

Secured Business Line of Credit

Finance recurring operating expenses and increase your cash flow

Secured by a blanket lien on your assets or a certificate of deposit
No cash advance fees
No interest charges until you use the funds

Learn about secure lines of credit

Secured Business Loan

Secured Business Loan

Fund a one-time expense with your choice of collateral

Competitive interest rates
Convenient repayment terms

Learn about secured business loans

Small Business Administration (SBA) Loans

Small Business Administration (SBA) Loans

Make your dream a reality with loans designed for new business ventures³

Longer maturity and easier qualification than conventional loans
Preserve your working capital for other expenses

Learn about SBA loans

Get more from your Small Business banking

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Lower rates

With Preferred Rewards for Business, you may qualify for benefits and savings across your Bank of America Relationship.⁴

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Mon-Fri 8AM-10PM ET

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Credit and collateral are subject to approval. Normal credit standards apply. Each borrower must be at least 18 years of age and be a borrower. Bank of America may prohibit the use of an account to pay off or pay down another Bank of America account. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

1

Based upon Approval Officer successfully contacting customer and obtaining the necessary information for underwriting evaluation. The term, amount, interest rate and repayment schedule for an approved loan may vary depending on creditworthiness. Rate valid for 30 days from the date of original application submission.

2

Owner occupied commercial real estate will be determined in underwriting and requires occupancy by the borrower/guarantor. Please note SBA guidelines require at least 51% occupancy to be considered Owner Occupied. Real Estate financing options are subject to approval and product availability is subject to change. For SBA loans, SBA eligibility and restrictions apply.

3

Small Business Administration (SBA) financing is subject to approval through the SBA 504 and SBA 7(a) programs. Loan terms, collateral and documentation requirements apply. Actual amortization, rate and extension of credit are subject to necessary credit approval. Bank of America credit standards and documentation requirements apply. Some restrictions may apply.

4

Preferred Rewards for Business Overall Program Rules: The Preferred Rewards for Business program is only available to Bank of America Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business clients. Other categories of clients, such as those commonly referred to as Business Banking, Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three calendar month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements.

Business Advantage Credit Line, Term Loan, and Secured Lending Interest Rate Discounts: Business line of credit and term loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the program at the time of line of credit or term loan application for a new credit facility (excludes specialty lending products that receive customized pricing). The amount of the discount (0.25% for Gold tier, 0.50% for Platinum tier, and 0.75% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. The benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval, which is subject to credit approval. Standard underwriting guidelines and credit policies apply.

Business Advantage Auto Loan Interest Rate Discounts: Business Advantage Auto Loan relationship interest rate discount of 0.25% to 0.50% is valid only for applicants who are enrolled in the Preferred Rewards for Business program at the time of loan application who obtain a Business Advantage Auto Loan purchase or refinance loan. The maximum relationship interest rate discount on a Business Advantage Auto Loan is 0.50%. Business Advantage Auto Loans do not qualify for, or entitle any applicant to, a discount under the consumer Preferred Rewards program. This relationship interest rate discount is not reflected in our published rates on our website but will be reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships.

Commercial Real Estate Loan Interest Rate Discounts: Business Commercial Real Estate Loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the program at the time of application for a new credit facility (excludes specialty lending products that receive customized pricing). The amount of the discount (0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. The benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval, which is subject to credit approval. Standard underwriting guidelines and credit policies apply.

Practice Solutions Client Interest Rate Discounts: Practice Solutions business line of credit and term loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the program at the time of line of credit or term loan application for a new credit facility (excludes specialty lending products that receive customized pricing). Amount of discount (0.25% for Gold tier, 0.30% for Platinum tier, and 0.35% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. Benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval, which is subject to credit approval. Standard underwriting guidelines and credit policies apply. Bank of America Practice Solutions may prohibit use of an account to pay off or pay down another Bank of America account. Bank of America Practice Solutions is a division of Bank of America, N.A.

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