Minority-owned small businesses
Business loans are not keeping pace with the needs of diverse business owners. Our minority business loans help diverse business owners fund their dreams.
Grow your business with our Business Diversity Lending Program.
BIPOC (Black, indigenous, and people of color), women and veterans receive less funding and access to credit than other business owners. We are committed to helping close historical funding gaps among traditionally underserved communities. The U.S. Bank Business Diversity Lending Program opens the door to more business owners through revisions to credit standards that improves access to business loans and lines of credit.
Women-owned small businesses
Women are opening businesses at a faster rate than men but are having less success obtaining funding. Our business loans for women help close these funding gaps.
Veteran-owned small businesses
You served your country. Now it’s time for us to serve you. If you’re a veteran under the Department of Veterans Affairs, you can apply for the financing you need to grow and maintain your business.
Flexible business loans up to $2.5 million
We offer many options to choose from, including secured or unsecured loans and fixed or variable rate programs. Through our Diversity Lending Program, diverse business owners can choose from traditional lines of credit, term loans, and owner-occupied commercial real estate and investment loans4 for borrowers with total financing needs of up to $2.5 million.
It’s simple to apply.
When you’re ready, you can simply apply for the loan you’re interested in through our general application form. During the application process, you will have the opportunity to disclose that you qualify for the Business Diversity Lending Program.
Resources for your business
We’re in this together. Here you’ll find resources and opportunities for diverse-owned businesses to help you thrive and grow.
U.S. Bank Access Fund
We provide alternative funding to diverse-owned businesses. This includes $25 million supporting more than 30,000 women of color owned microbusinesses over three years.
U.S. Bank Access CommitmentTM
U.S. Bank Access Commitment is our long-term framework to help build wealth, redefine how we serve diverse communities and bridge the wealth gap. As part of that overall commitment, Access Business creates more opportunities for diverse business owners.
U.S. Bank supplier diversity
We believe diversity is better for business and U.S. Bank has committed to this by increasing diversity with our own suppliers. In 2021, we spent over $515 million with certified minority, women, LGBTQ, veteran and disabled-owned businesses.
Explore Business Essentials.
From business checking to payment solutions, U.S. Bank Business Essentials offers products, resources and services to help small businesses thrive, all in one place.
Pay & receive
Business banking options that seamlessly integrate with payment solutions to help you manage your business finances with ease.
Manage & run
Streamline your operations and make informed money decisions with a clear view of your finances in one place.
Plan & progress
Take your business to the next level with expert advice, lending solutions and staff management tools designed for growth.
Frequently asked questions
The following U.S. Bank business loans and lines of credit are available to qualified minority-, women- or veteran-owned businesses:
- Cash Flow Manager
- Quick Loan
- Business Term Loans
- Business Lines of Credit
- Owner-occupied and Investment property loans
The following products are not eligible:
- Business credit cards
- Equipment finance
- SBA products
- Business reserve lines
- Non-credit products
To be eligible for the Business Diversity Lending Program, your business5 must be at least 51% owned and operated by one or more individuals who are minorities1, women2, or veterans3, iincluding any combination of the three. Financing is available under the program for applicants with business borrowing needs up to $2.5 million.
U.S. Bank traditional loans and lines of credit do not require formal certification as a woman, veteran, or minority owned business enterprise. However, to be eligible for the Diversity Lending Program, your business must be at least 51% owned and operated by at least one individual identifying as a minority1, woman2, or veteran3. You will attest to your eligibility for the program during the credit application process.
Credit scores are one factor that’s considered when applying for a business loan. Credit scores for approved applications fall within a range that varies by individual and business. A U.S. Bank advisor can discuss your options with you.
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Equal Housing Lender