Apply for a business loan or line of credit
Funding to help you navigate the future.
Complete your business loan or credit line application online.
Apply for business financing in minutes.
A U.S. Bank Quick Loan and Cash Flow Manager online application makes it easy for you to access financing that will impact your business for the long haul. Upload documents, e-sign and disburse funds electronically. 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.
Business loan
Quick Loan
Simple and hassle-free business loan application process with expedited decisions and one-time payout of funds.
- Financing up to $250,000 with no origination fee
- Financing to grow your business, purchase equipment or provide working capital
- Competitive rates and flexible terms
Business line of credit
Cash Flow Manager
Designed for business owners who need ongoing access to cash - and the application process is easy.
- Lines of credit up to $250,000
- Provides working capital for seasonal purchases, inventory and short-term cash needs
- Competitive variable interest rates with option to lock in fixed rate on existing balances
In order to apply and qualify online, you’ll need:
To include all business owners on the application with at least 20% ownership
Business and personal information, including Tax ID number and estimated gross annual sales
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. If you have more than $1 million in credit with U.S. Bank, you should apply for additional credit directly with your banker or relationship manager.
Key differences |
Loans |
Lines of credit |
|---|---|---|
Payout of funds |
One-time payment |
Advance as needed |
Interest rate |
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 |
Prepayment |
Annual fee |
Repayment timeline |
Fixed |
No maturity date (excludes unsecured SBA option) |
|
|
|
|
Key differences
Payout of funds
Loans
One-time payment
Lines of credit
Advance as needed
Key differences
Interest rate
Loans
Typically lower than a line of credit
Lines of credit
Typically higher than a loan
Key differences
Interest paid on
Loans
Full loan amount
Lines of credit
Only on advances
Key differences
Repayment
Loans
Fixed monthly payment
Lines of credit
Minimum variable payments
Key differences
Fees
Loans
Prepayment
Lines of credit
Annual fee
Key differences
Repayment timeline
Loans
Fixed
Lines of credit
No maturity date (excludes unsecured SBA option)
Key differences
Loans
Lines of credit
Driving your business forward requires a steady flow of capital.
U.S. Bank partners with you and your business to ensure you’re getting financing that best fits your unique goals and needs.
Our loans and lines of credit may be 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.