Apply for a business loan or line of credit

Get up to $250,000 in funding to help you navigate the future.

Secure limited-time rates through October 15. Complete your business loan or credit line application online.

Apply for business financing in minutes.

To ensure a smooth application process, you can upload documents, e-sign and get funds electronically. We'll guide you through the process. U.S. Bank customers enrolled in online banking will have some information prefilled.

Business loan

Quick Loan

For a limited time, get interest rates as low as 8.49%¹ with loan terms from 49-60 months and autopay² from a U.S. Bank account.

Best for:

Financing up to $250,000 with $0 origination fee
Financing equipment purchases and upgrades, business expansion costs, technology investments and more
Competitive rates and flexible terms

Apply for a Quick Loan

Business Line of Credit

Cash Flow Manager

For a limited time, get variable rates as low as Prime + 3.49%³ with autopay² from a U.S. Bank account.

Best for:

Lines of credit up to $250,000
$0 annual fee on lines of $50,000 or more
$150 annual fee for lines under $50,000
Managing seasonal purchases, maintaining inventory levels and meeting short-term cash needs, such as payroll expenses, quarterly taxes and more
Competitive variable interest rates with the option to lock in a fixed rate on existing balances

Apply for Cash Flow Manager

Please have the following information handy:

Include all business owners on the application with at least 20% ownership.
Your Tax ID number (EIN or SSN), years in operation, estimated gross annual sales revenue, outstanding debts and other business details.

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.

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

Key differences	Loans	Lines of credit
Payout of funds	One-time payment	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	Prepayment	Annual fee
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

Business Diversity Lending Program

Help your business thrive.

U.S. Bank is committed to improving access to financing for up to $2.5 million for diverse-, woman- or veteran-owned businesses.

Learn more

Disclosures

The 8.49% interest rate applies to the U.S. Bank Quick Loan (Secured by General Business Assets) for loan terms from 49 to 60 months for credit qualified applicants. Automatic monthly payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of .50%. Higher rates may apply based on a lower credit score or not having automatic monthly payments. Advertised interest rates will be between 8.49% and 13.49%. If automatic payments are later canceled, the rate discount no longer applies, and the interest rate will increase by .50%. Advertised rate effective 08/01/2024 through 10/15/2024 and subject to change without notice based on market conditions. Quick Loans for vehicles cannot be completed online.
Automatic payments are not required for loan approval, but automatic payments from a U.S. Bank checking or savings account are required to receive the advertised rate specified above. Rates may vary based on, but not limited to, credit qualifications, term selected, approved amount, existing relationship, and/or collateral condition and loan to value.
For credit qualified applicants, the advertised interest rate for U.S. Bank Cash Flow Manager will be between Prime + 3.49% and Prime + 6.49%. The interest rate is determined at the time of application and will not change during the application process. The Cash Flow Manager Line of Credit has a minimum interest rate of 6.00%. Prime refers to U.S. Bank’s announced Prime Rate. The Annual Percentage Rate (APR) will vary with Prime Rate (the index) as published in the Wall Street Journal, which is subject to change at any time. Automatic monthly payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of 0.50%. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. If automatic payments are later canceled, the rate discount no longer applies, and the interest rate will increase by 0.50%. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. Advertised rate is as of 08/01/2024 and subject to change without notice based on market conditions. Advertised rate offer expires 10/15/2024.

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. Certain restrictions apply to refinancing options and are subject to program terms.

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

Demographic information regarding gender, minority and veteran status is required for the sole purpose of determining eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.

Minority racial categories include Hispanic/Latino, American Indian or Alaskan Native, Asian, Black or African American, and Native Hawaiian or other Pacific Islander as defined by the Equal Employment Opportunity Commission (EEOC).

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.

Deposit products are offered by U.S. Bank National Association. Member FDIC.