Business lines of credit

Experience financial flexibility with a business line of credit.

Get funding to buy inventory, manage business accounts, and address short-term cash needs for seasonal purchases, taxes and more.

Everyday benefits of a business line of
credit from U.S. Bank

Convenient access to funding

Open a line of credit and get quick, easy access to funds for business purchases, sudden expenses, cash flow support and more.

Competitive interest rates

With a line of credit, you’ll only pay interest on the amount you borrow. We offer competitive rates with an option to lock in a fixed rate on existing balances.

Secured and unsecured options

Secure a higher line of credit when you apply using collateral. No collateral? No problem. Apply for an unsecured line of credit.

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lines of credit

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Cash Flow Manager

Cash Flow Manager is a revolving business line of credit with an easy online application, so your business can get a quick decision on funding up to $250,000. $0 annual fee on lines greater than $50,000; $150 annual fee for lines $50,000 or less.1

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Business line of credit

Flexible and easy access to funds over $250,000 for short-term working capital such as inventory purchases, seasonal expenses, payroll and more. Speak with your banker to learn how a business line of credit can support your needs.

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Business equity line of credit

Leverage business real estate or other assets to secure an equity line of credit up to $500,000 with interest-only payment options for qualifying applicants.

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Business Overdraft Line of Credit

This Business Reserve Line can get you up to $5,000 of automatic overdraft protection for your business checking account. If an advance is needed, we’ll make one transfer to cover the total amount with no additional steps needed.

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SBA (7a) Express Line of Credit

SBA Express Line of Credit provides up to $350,000 for small businesses, suitable for inventory, equipment or operational costs. Terms include a 48 month revolving period with any outstanding balance termed out over 72 months. 

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Find the best lending options for your business

Answer a few quick questions about your business and borrowing needs and we’ll match you with the best lending options.

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Customize how your team manages business accounts using Shared Access.

Shared Access allows you to give employees the capabilities they need to manage company finances while you’re not around. Securely share access while maintaining full control over permissions that optimize your business operations.

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Common questions about business lines of credit

A business line of credit works kind of like a credit card. A line of credit lets a business borrow up to a certain amount of money and pay interest only on the amount of money borrowed, not the full limit. As you repay the balance, the funds become available again, making it a convenient way to manage cash flow, cover expenses, or take advantage of new opportunities.

If you need working capital and an injection of cash flow on a regular basis for short-term expenses, paying suppliers and other everyday business needs, a line of credit is probably your best financing option. If you need a larger amount of funds distributed in a lump sum to make more major business purchases, a loan is likely a better choice for you.

Applying for a business line of credit is easy. First, gather your business and personal tax returns, financial statements, articles of incorporation and other legal documents. If you’re applying for a secure line of credit, you’ll also need documents proving ownership and the value of the real estate or business assets you’re putting up as collateral.

For businesses interested in a U.S. Bank Cash Flow Manager line of credit, you can apply online for potentially quicker lending decisions.

For larger lines of credit (>$250,000), you'll need to connect with a business banker virtually or in person to discuss your borrowing needs. They will assist you in completing your application.

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U.S. Bank is an SBA Preferred Lender. SBA loans have benefits like smaller down payments and fixed & variable rate options. Contact a banker.

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Find business credit cards that works for you and your business. Compare small business credit cards with various features like cash back or reward points.

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Start smart with a business bank account from U.S. Bank. Compare and open business checking accounts, business savings accounts and business CDs.

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Schedule a virtual or in-person meeting with a business banker.

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Call 866-280-3751 to talk with a representative right away.

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Disclosures

  1. Line of credit interest rates and program terms are determined by U.S. Bank based on market conditions. Interest rates are subject to change without notice. A $150 annual fee applies to lines of $50,000 or less.

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

SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

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.

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.