Apply for a business loan or line of credit

Funding to help you navigate the future.

Complete your business loan or credit line application online.

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.

Limited-time interest rates as low as 8.49%¹ on an Unsecured Quick Loan with autopay from a U.S. Bank account.³
Financing up to $250,000 with no origination fee
Financing to grow your business, purchase equipment or provide working capital
Competitive interest rates and flexible terms

Apply for a Quick Loan

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 interest rates as low as Prime + 1.99%² with autopay from a U.S. Bank account.³
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 interest rate on existing balances

Apply for Cash Flow Manager

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 rate	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

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.

Prefer to talk with a banker?

Disclosures

The 8.49% interest rate applies to the U.S. Bank Quick Loan for loan terms from 37 to 48 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 9/5/2023 through 10/31/2023 and subject to change without notice based on market conditions. Quick Loans for vehicles cannot be completed online.
For U.S. Bank Cash Flow Manager account either unsecured or secured with general business assets, for credit qualified applicants, your interest rate will be between Prime + 1.99% and Prime + 5.99%. 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 9/5/2023 and subject to change without notice based on market conditions. Advertised rate expires 10/31/2023. Rates are tied to Wall Street Journal Prime Rate and subject to change daily based on market conditions.
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.