Apply for a business loan or line of credit

Now is a great time to apply.

Get a competitive rate on a U.S. Bank Business Term Loan or Business Line of Credit, with the potential of a quick decision and funding in minutes.Complete your business loan or credit line application online.

Business Term Loan Business Line of Credit

Apply for business financing in minutes.

To ensure a smooth application process, you can upload documents and e-sign. We’ll guide you through a few sections, and you can save your application any time then return to it later. If you’re a U.S. Bank customer enrolled in online banking, we’ll prefill some information for you.

Quick Loan

Business Term Loan can help your growth—whether you’re investing in new equipment, purchasing vehicles, improving your office or managing daily expenses. Benefit from competitive fixed interest rates with no origination fees.¹

Get financing from $5,000 up to $250,000
Benefit from competitive fixed rates and flexible terms
Choose between secured and unsecured loan options

Apply for a Business Term Loan

Cash Flow Manager

Discover a flexible revolving line of credit that provides working capital for seasonal purchases and short-term cash needs. Access funds easily with a Visa Platinum Card, convenience checks, online banking, or at a local branch. Offers competitive rates and the option to lock in a fixed rate on existing balances.

Credit lines available from $10,000 up to $250,000
No annual fee for lines greater than $50,000
$150 annual fee applies for lines of $50,000 or less
Both secured and unsecured options are available; the unsecured line of credit has a $100,000 limit and does not require collateral.

Apply for a Business Line of Credit

Get started with our easy online application.

Provide your name, business address and phone number, Tax ID/Social Security Number and Employer Identification Number.
Include information about your gross annual sales.
In some cases, we may require your most recent tax returns, financial statements, or legal documents, such as articles of incorporation.
For secured applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must retain the first lien position.
A Personal Guaranty is required for small business loans and lines of credit.²

Apply for Quick Loan Apply for Cash Flow Manager

Looking for access to business funding opportunities?

Our Business Diversity Lending Program is a special purpose credit program under the Equal Credit Opportunity Act, designed to support small businesses from varied backgrounds.

Learn more

Consider some of the key differences between business loans and lines of credit.

Key differences	Loans	Lines of credit
Payout of funds	One-time funding	Advance as needed
Interest rates	Typically lower than a line of credit	Typically higher than a loan
Interest paid on	Full loan amount	Only on advances
Repayment	Fixed monthly payment	Minimum variable payments
Fees	Prepayment¹	Annual fee³
Repayment timeline	Fixed	No maturity date (excludes unsecured SBA option)
	Apply for a loan	Apply for a line of credit

Key differences

Loans

Apply for a loan

Lines of credit

Apply for a line of credit

Driving your business forward requires a steady flow of capital.

U.S. Bank partners with you and your business to ensure you get financing to suit your unique goals and needs.

Our loans and lines of credit are a smart and affordable way to meet routine business expenses. With our streamlined process and timely decisions, you get the money you need, all backed by a trusted and ethical bank.

Prefer to talk to a banker?

Disclosures

If the loan is prepaid in full within one year of the note date, a prepayment fee of 1% of original loan amount is a minimum of $50.00 and a maximum of $100.00. If the loan is SBA guaranteed, there are no prepayment penalties.
U.S. Bank requires business owners to provide a personal guaranty to obtain credit. The term personal guaranty refers to an individual’s contractual promise to personally repay credit issued to a business if the business fails to repay its debt obligations.
Line of credit interest rates and program terms are determined by U.S. Bank based on market conditions. Interest rates are subject to change without notice. A $150 annual fee applies to lines of $50,000 or less.

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. Not all loan programs are available in all states for all loan amounts.

Financing under the Business Diversity Lending Program is subject to credit approval. Terms and conditions are subject to change.

Business Diversity Lending Program: To be eligible for the BDLP, your business must be at least 51% owned and operated by one or more individuals who are women, people of color and/or veterans. Demographic information regarding gender, race and veteran status is required only to determine eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.

Financing maximums and terms are determined by borrower qualifications and use of funds.

Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. U.S. Bank and/or third-party fees may apply. Certain restrictions apply to refinancing options and are subject to program terms.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.