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.

To ensure a smooth application process, you have the ability to 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

Get quick approval and a quick decision with a one-time fund payout.

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.

Lines of credit up to $250,000
Provides working capital for seasonal purchases, inventory and short-term cash needs
Competitive variable interest rates with the option to lock in a fixed rate on existing balances

Apply for Cash Flow Manager

Please have the following information handy:

To include all business owners on the application with at least 20% ownership
Your Tax ID number (EIN or SSN), years in operation, estimated gross annual sales revenue, outstanding debts and other business details.

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)
	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

Business Diversity Lending Program

Help your business thrive.

U.S. Bank is committed to helping close historical lending gaps among diverse owned businesses, 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.

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

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.