The 5 C’s are the key factors in determining credit worthiness:
- Character
- Capacity
- Capital
- Collateral
- Conditions
Explore competitive loan rates and terms.
Get funding for what’s important to you. Find long-term or short-term financing options to fund your business.
Business loans
Find flexible, affordable options to help cover major business expenses.
Business lines of credit
Enjoy the convenience of working capital options to help run your business.
Business credit cards
Improve your business cash flow while earning rewards on all your business purchases.
Find the business loan option that works best for you.
Whether you need to buy new equipment or cover operating expenses, you’ll have easy access to funds when you need them.
Commercial real estate lending
Navigate owner-occupied commercial loans and investment property loans to find the right funding option for your business.
Small Business Administration loans
Enjoy flexible financing, lower down payments and less paperwork than a conventional loan. Small Business Administration (SBA) loans are backed by the federal government through lending partners like U.S. Bank.
Equipment financing
Find financing for the equipment that keeps your business running smoothly, from manufacturing equipment to office furniture.
Practice financing
Discover compelling financing solutions for dental, medical, vision and veterinary doctors. Maintain financial health throughout the life and growth of your practice.
Business Diversity Lending Program
Help your business thrive.
U.S. Bank is committed to helping close historical lending gaps among minorities, women and veterans. Our Business Diversity Lending Program includes U.S. Bank traditional business loans and lines of credit, but with credit guidelines that open the door to include a wider audience of business owners.
Get help finding a business lending option.
Answer a few questions, and we’ll help you understand financing choices to meet your business needs.
Find business lending tips and insights.
What determines business creditworthiness?
Lenders use the 5 C’s to determine who gets credit and how much they receive.
What is a good business credit score?
Your credit score determines your loan eligibility. The range of credit scores runs from 300 to 850. The higher the score, the better the loan terms.
What should I consider before taking out a business loan?
Determine if a loan is necessary and review your business credit history. Have a clear understanding of loan fees and terms.
Explore solutions for every stage of your business.
From business checking to payment solutions, U.S. Bank offers products, resources and services to help small businesses thrive, all in one place.
Pay & receive
Explore 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
You need to apply for an SBA loan with an SBA banking partner, such as U.S. Bank. The required documents cover your business structure and leadership, legal articles of incorporation, creditworthiness and the purpose of the SBA loan you’re applying for.
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