Is there a fee charged for not drawing down on a revolving credit line loan ?
For example an approved line of credit for $ 500,000 and no disbursement has been made for a year is there a fee for the loan?

Answer:

There could be.

For example, the last one I worked on had a 25bps non-usage fee payable quarterly. This means 0.25% a year by the way.

Commercial lending is not standard by any means. Most of the times, I will not see this type of fee on a line that small.