Additionally, BusinessLine accounts require personal guarantees from any owner with 25% or more ownership, with at least 51% in combined ownership. Wells Fargo doesn't disclose minimum credit score or annual revenue requirements but says that guarantors typically have a FICO score of at least 680. For businesses that haven't been on the market for quite as long, the Wells Fargo Small Business Advantage® line of credit can be a solid alternative with a limit of $5,000 to $50,000 and no annual fee. Interest rates start at the prime rate plus 4.50%.