Apply for a business loan or line of credit

Get the funds you need to grow your business.

Apply online for a U.S. Bank Quick Loan or Cash Flow Manager line of credit and you can get a decision and funding in minutes.

Quick Loan Cash Flow Manager

Apply online for a business loan.

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.

Interest rates as low as 8.49% ¹with autopay ³ from a U.S. Bank account
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

Apply for a Quick Loan

Business line of credit

Cash Flow Manager

Get ongoing access to cash and a streamlined application process to assess your eligibility quickly.

Variable interest rates as low as Prime + 2.49% ² with autopay ³ from a U.S. Bank account
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

Apply for Cash Flow Manager

Please have the following information handy:

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 using all business assets as collateral.

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 helping close historical lending gaps among diverse owned businesses, women and veterans. Our Business Diversity Lending Program includes U.S. Bank’s traditional business loans and lines of credit, but with credit guidelines that open the door to include a wider audience of business owners.

Learn more

Driving your business forward requires a steady flow of capital.

U.S. Bank partners with you and your business to ensure you get financing to suit your unique goals and needs.

Our loans and lines of credit are 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.

Prefer to talk to a banker?

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. If automatic payments are later canceled, the rate discount no longer applies, and the interest rate will increase by .50%. Advertised rate effective 04/24/24 through 07/02/24 and subject to change without notice based on market conditions. Quick Loans for vehicles cannot be completed online.
For credit qualified applicants, the advertised interest rate for a U.S. Bank Cash Flow Manager, will be between Prime + 2.49% and Prime + 6.49%. The interest rate is determined at the time of application and will not change. 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 .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 .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 04/24/24 and subject to change without notice based on market conditions. Advertised rate offer expires 07/02/24.
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.

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.

Financing maximums and terms are determined by borrower qualifications and use of funds.