BUSINESS BANKING / Lines of Credit LINES OF CREDIT (1) A Sun American Bank Line of Credit provides financing for your company's short term and seasonal needs. The line provides immediate access to cash to allow you to take trade discounts, carry receivables, purchase inventory or for seasonal growth. Interest rates that are generally tied to prime Maturities of 12 months or greater Fees are based on the customer's overall banking relationship with Sun American Bank. (1) Subject to credit approval.