Business Lines of Credit

A business line of credit provides additional flexibility in how you use the money that traditional term business loans do not afford. As with a traditional loan, you borrow a set amount of money and pay interest on the amount borrowed. With a business line of credit, however, you can draw and repay funds as you wish, so long as you don’t exceed your credit limit.

business line of credit from Capitol BankThe advantages of this type of loan are plentiful. You’re given the freedom to manage your cash flow, working capitol, as your business demands. Need to purchase extra inventory? An unexpected hire? A Business line of credit is there to help. They’re particularly helpful with managing accounts receivable. Delays in collection or other issues with getting paid are exactly the scenarios that call for a line of credit.

These loans are often a result of cash flow issues. Curious if you need one? Our commercial lenders work through a process.

  • comparative analysis of historical numbers.
  • in-depth conversation about what’s happening within the business that’s driving the need for working capitol.
  • work as a team to find a solution that may be a line of credit, or another type of loan.

Capitol Bank offers secured and unsecured lines of credit for businesses that have an ongoing need for revolving credit.

Working Capital

Seasonal Cash Flow

Emergency Planning

Why Choose Capitol Bank

Local decision makers

As an independent local Madison owned community bank, you’ll have a relationship with the individuals managing your business line of credit. You’re more than a number in our system. You are a member of the Greater Dane County and surrounding community. That means that your success is our success.


We’ve been offering business term loans for the entirety of our 22 year history in Madison and Dane County. Our professional, friendly Commercial Lenders understand your particular industry and can assist in guiding you through the process of funding your business’s growth.

Incentive Structure

Our Commercial Lenders are not paid on commission. Yes, they have annual goals. However, their incentive is building long-term relationships not acquiring loans for short term profits. This means they’re motivated to get to know you and your business and build a relationship based on trust and mutual understanding.

Dedicated team

Our Commercial Lenders manage our clients. Unlike some lending organizations, we don’t pass our relationships off to inexperienced staff who know you only on paper. You’ll have a dedicated team including the Commercial Lender as your key contacts from the onset of our relationship.

Get In Touch

Let’s start a conversation. If you’re interested in other types of loans, learn more: Commercial Real Estate, Business Term Loan, Equipment Leasing, and SBA Loans from Capitol Bank.

Local Lenders

Meet the local commercial lending team that will assist you throughout the process.

Our People

Business Services

A suite of products to help your business run smoothly.

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Contact Us

Get in touch if you have questions or want to speak with someone live.