Small business loans

Flexible, fast and customized lending options under $250,000.

Move your business forward with a small business loan from U.S. Bank. We provide affordable loan options under $250,000 designed to empower your growth. With potentially swift approvals, adaptable terms and personalized financing solutions, we’re here to help you reach your business goals with confidence.

Why choose U.S. Bank for small business financing?

Fast approvals

Decisions may be made more quickly, allowing for continued attention to business operations.

Flexibility

Choose from unsecured loans (no collateral required) or secured loans (using business assets as collateral) with competitive terms.

Trusted partner

With a strong reputation and years of experience, U.S. Bank is a reliable financial partner you can count on.

Explore funding options crafted for small businesses.

U.S. Bank Quick Loan

U.S. Bank Quick Loans are term loans that offer easy access to funding of up to $250,000 for small businesses and unsecured loans up to $50,000. Apply online and get personalized support from bankers.

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Small Business Administration (SBA) loans

SBA loans are long-term small business loans and lines of credit partially guaranteed by the government. Loan amounts up to $5 million or $12.375 million for real estate. 1

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Equipment financing

U.S. Bank can help your business run smoothly by finding the best financing option for your business.  From construction equipment to office furniture, the right financing solution can power your progress with a $375 origination fee.

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Vehicle loan

A Quick Loan for vehicles provides $5,000–$250,000 in financing for new or used vehicles, with terms up to 84 months and no upfront costs for purchase or refinancing.

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Equipment loans

An Equipment Quick Loan is a secured loan that provides potentially quick access to funds for purchasing equipment such as machinery, vehicles, computers or other technical equipment. Choose flexible terms for up to 84 months.

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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 potentially 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.2

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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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What you need to apply

You may apply for some small business loans online, but others may require speaking to a banker. To apply, you'll generally need to provide:

  • Your name, business address and phone number   
  • Your Tax ID, Social Security number or Employer Identification Number
  • Gross annual sales information
  • A Personal Guaranty (required for small business loans and lines of credit.

In some cases, we may also need your latest tax returns, financial statements or legal documents, like articles of incorporation. For secured applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position.

Loan options

Common questions about small business loans

Qualifications for small business loans vary by loan type. In general, we consider your business's creditworthiness and ability to repay a loan when determining eligibility. Contact a lending specialist for more information.

A start-up LLC may be eligible for a small business loan, depending on the product and your overall financial profile. Because new businesses typically don't have an established track record, approval may rely more heavily on factors like your personal credit history, financial background, and industry experience. Some loan options may also require a minimum time in business.

You can use a business loan for a variety of purposes, including:

  • Expanding your business
  • Purchasing equipment
  • Managing cash flow
  • Refinancing existing debt

Contact a lending specialist for more information.

Our expertise, customization and commitment to your success set us apart. From tailored solutions to industry-specific guidance, we’re here to support your growth. Count on us as your trusted partner to unlock potential and achieve long-term success.

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Business checking accounts

U.S. Bank offers various business checking accounts to help manage your cash flow. Discover our account features & benefits. Open an account today.

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Business money market account

Elevate your savings with a business money market account from U.S. Bank. Compare accounts and easily calculate your potential earnings.

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Business bank accounts

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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Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Make an appointment

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

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

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

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Disclosures

  1. 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.

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

For more detailed information on digital services and fees, refer to the Digital Service Agreement.

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.