Access working capital to help run your business.
Why do you need a business line of credit?
For sudden expenses, cash-flow needs and major purchases, a line of credit allows you quick, easy access to your available funds.
Cash Flow Manager
Manage cash flow.
Up to $250,000
Apply online with quick decisions
Competitive rates with the option to lock in a fixed rate
Business Line of Credit
Purchase materials, equipment or inventory.
Up to $1 million
Competitive interest rates
Interest-only payment option
Business Equity Line of Credit
Use real estate as equity.
Up to $500,000
Revolving terms with a 5-year maximum
Monthly interest-only payments
Business Reserve Line
Protection from overdraft charges.
Up to $5,000
No annual fee
Linked to your U.S. Bank business checking account
Get help finding an option to meet your need.
Answer a few questions, and we’ll help you understand your business lending options.
Understand key characteristics of a business loan.
- One-time payout of funds
- Interest rates are typically lower than a line of credit
- Interest is paid on full amount
- Repayment is a fixed monthly payment
- May have a prepayment fee
- Fixed repayment timeline
What’s your Financial IQ?
Leverage credit to plug gaps in business cash flow.
Understand what’s causing your cash flow problems and choose the right strategy to get your balance sheet back on track.
What type of business financing could be right for you?
Take a short quiz to help you find the right business financing option for your situation.
What type of loan may be right for your business?
Evaluate your business goals and specific needs to help you decide between a loan or line of credit.
Frequently asked questions
Equal Housing Lender
Credit products offered by U.S. Bank National Association are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.
Deposit products offered by U.S. Bank National Association. Member FDIC.
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