Business Line of Credit details

The U.S. Bank Business Line of Credit is a dynamic and flexible financing option with a revolving line of credit. Secure working capital to navigate seasonal purchases, maintain inventory levels and address short term cash needs.

Features

  • Credit lines from $10,000 up to $250,000
  • Competitive rates with the option to lock in a fixed rate on existing balances – only repay what you’ve borrowed
  • Best for businesses in operation for two years or more
  • Accessible with a Visa Platinum Card, convenience checks, online banking, Business Service Center or at a branch
  • Easily manage your credit line through online banking

Fees

  • $0 annual fee on lines greater than $50,000
  • $150 annual fee for lines $50,000 or less

Financing benefits that fit your business.

U.S. Bank offers easy access to financing up to $250,000 for small businesses, with a streamlined application process and personalized attention from bankers.

Quick lending decisions

Our simple online application process makes it easy to quickly receive financing decisions and your funds.

Digital lending management tools

Use U.S. Bank’s business online banking to easily make payments and manage your loans and line of credit.

Trusted SBA lending partner

U.S. Bank is proud to be a designated SBA Preferred Lender providing Small Business Administration (SBA) loans.

Over 160 years of history and expertise

For generations, business owners have trusted U.S. Bank with their financial needs.

Get started with our easy online application.

Once you have decided which loan is right for your business, and have the information listed below ready, simply click Apply.

We will guide you through the application, which you can save and return to any time. You can also login with your existing online banking credentials, and we will automatically prefill some information for you.

  • Name, business address and phone number
  • Tax ID/Social Security Number/Employer Identification Number
  • Gross annual sales information
  • In certain borrowing situations, we may need your most recent business and personal tax returns and financial statements, or legal documents like articles of incorporation

Online application is limited to businesses with no more than five owners. For secured applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position.

A Personal Guaranty is required for small business loans and lines of credit.1

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Which credit line is right for me?

Secured business line of credit

Leverages your eligible business assets as collateral and offers up to $250,000.

Apply now

Unsecured business line of credit

Does not require collateral and offers up to $100,000.

Apply now

Is your business proudly diverse-owned?

Our Business Diversity Lending Program provides funding to diverse businesses with modified credit requirements for potentially easier approvals and favorable rates. See if you qualify.

Learn more
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Disclosures

  1. 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.

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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.

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.

Eligible racial categories include American Indian or Alaskan Native, Asian, Black or African American, Hispanic/Latino, Native Hawaiian or other Pacific Islander and combined ethnic or racial groups.

Woman is defined as a person who lives and identifies as female.

Veteran is defined as any person who (i) served in the Army, Navy, Marine Corps, Air Force, Coast Guard or National Guard, including any member of a reserve component of the foregoing services, and (ii) was discharged or released from service under conditions other than dishonorable.

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.