Apply for a business loan or line of credit

Apply for business financing in minutes.

To ensure a smooth application process, you can 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

Enjoy a smooth business loan application process with the potential to receive a quick decision and fast funding.

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.

Credit lines up to $250,000
Competitive rates with the option to lock in a fixed rate on existing balances
Accessible with a Visa Platinum Card, convenience checks, online banking, Business Service Center or at a branch
$0 for lines greater than $50,000
$150 for lines $50,000 and less

Apply for Cash Flow 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

Get started with our easy online application.

Once you have decided which loan is right for your business, and have the information listed below ready, simply click Apply.

We will guide you through the application, which you can save and return to any time. You can also login with your existing online banking credentials, and we will automatically prefill some information for you.

Name, business address and phone number
Tax ID/Social Security Number/Employer Identification Number
Gross annual sales information
In certain borrowing situations, we may need your most recent business and personal tax returns and financial statements, or legal documents like articles of incorporation

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.

A Personal Guaranty is required for small business loans and lines of credit.¹

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

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

U.S. Bank requires business owners to provide a personal guaranty to obtain credit. The term personal guaranty refers to an individual’s contractual promise to personally repay credit issued to a business if the business fails to repay its debt obligations.

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. Not all loan programs are available in all states for all loan amounts.

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.

Quick Loans for vehicles cannot be completed online.

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.

Funding to help you navigate the future.

Apply for business financing in minutes.

Quick Loan

Cash Flow Manager