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.

  • Interest rates as low as 8.49%1 with loan terms from 49-60 months and autopay from a U.S. Bank account3
  • 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.

  • Limited-time rates as low as Prime + 1.49%2 with autopay from a U.S. Bank account3
  • 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.

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)

Key differences

Payout of funds

Loans

One-time payment

Lines of credit

Advance as needed

Key differences

Interest rates

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

Help your business thrive with our Business Diversity Lending Program.

U.S. Bank is committed to helping close historical lending gaps among minorities, 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.

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.

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Disclosures
  1. 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. Advertised rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank checking or savings account. Higher rates may apply based on a lower credit score or not having automatic monthly payments taken from a U.S. Bank checking or savings account. Advertised rate effective 2/01/24 through 4/02/24 and subject to change without notice based on market conditions. Quick Loans for vehicles cannot be completed online.​

  2. For U.S. Bank Cash Flow Manager secured with general business assets, for credit qualified applicants, your interest rate will be between Prime + 1.49% and Prime + 5.49% The interest rate is determined at the time of application and will not change. 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. Advertised rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank checking or savings account. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Unsecured Cash Flow Manager has maximum line amount of $100,000. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. The Cash Flow Manager Line of Credit rate is variable and has a minimum interest rate of 6.00%. Advertised rate is as of 02/01/24 and subject to change without notice based on market conditions. Advertised rate expires 4/02/24. Rates are tied to Wall Street Journal Prime Rate and subject to change daily based on market conditions.

  3. 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.

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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.