Apply for business financing in minutes.

A U.S. Bank Quick Loan1 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 Loan1

Simple and hassle-free business loan application process with expedited decisions and one-time payout of funds.

  • Limited-time rates as low as 7.99%1
  • 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

Designed for business owners who need ongoing access to cash - and the application process is easy.

  • Limited-time rates as low as Prime + 1.99%2
  • 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
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 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

Payout of funds

Loans

One-time payment

Lines of credit

Advance as needed

Key differences

Interest rate

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

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?

Make an appointment
Request a call
Call 866-280-3751
Find a branch
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Disclosures

  1. The 7.99% interest rate applies to the U.S. Bank Quick Loan secured by all business assets for loan terms from 49 to 60 months for credit qualified applicants. Disclosed rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank Business Checking account. Higher rates may apply based on a lower credit score, SBA guaranteed loans, or not having automatic monthly payments taken from a U.S. Bank Business Checking account. Automatic payments are not required for loan approval. Advertised rate effective 1/27/2023 through 3/31/2023 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 account either unsecured or secured with general business assets for credit qualified applicants, your interest rate will be between Prime + 1.99% and Prime + 13.99% The interest rate is determined at time of application and will not change.  Prime refers to Bank’s announced Prime Rate. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal as of 01/27/2023. The advertised rate applies to line amounts $50,000 and less, higher rates may apply if there is no automatic payment from a U.S. Bank Checking. 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 01/27/2023 and subject to change without notice based on market conditions. Advertised rate expires 03/31/2023. Rates are tied to Wall Street Journal Prime Rate and subject to change daily based on market conditions. Credit products 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. 

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Credit products offered by U.S. Bank National Association and subject to normal credit approval.

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