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For sudden expenses, cash-flow needs and major purchases, a line of credit allows you quick, easy access to your available funds.
Up to $250,000
Apply online with quick decisions
Competitive rates with the option to lock in a fixed rate
Up to $1 million
Competitive interest rates
Interest-only payment option
Up to $500,000
Revolving terms with a 5-year maximum
Monthly interest-only payments
Up to $5,000
No annual fee
Linked to your U.S. Bank business checking account
Advance rates of up to 85% of open invoices
Straightforward pricing
No long-term contracts
Answer a few questions, and we’ll help you understand your business lending options.
Understand what’s causing your cash flow problems and choose the right strategy to get your balance sheet back on track.
Take a short quiz to help you find the right business financing option for your situation.
Evaluate your business goals and specific needs to help you decide between a loan or line of credit.
A business line of credit lets a business borrow up to a certain amount of money and will only charge interest on the amount of money borrowed (like how your credit card works). A line of credit is unlike a traditional loan where you’d be given a lump sum of money that you’d pay back with interest in monthly payments.
A working capital line of credit lets a business borrow money up to the amount of working capital the business has (calculated by subtracting the company’s current liabilities from its assets). With a working capital line of credit, just like other kinds of lines of credit, interest is only charged on the amount of money borrowed.
A business line of credit works kind of like a credit card. A line of credit lets a business borrow up to a certain amount of money and will only charge interest on the amount of money borrowed. It’s unlike a traditional loan where you’d be given a lump sum of money that you’d pay back with interest in monthly payments.
Applying for a business line of credit is easy. You’ll decide which line of credit is right for your business and then fill out an application either online or with a business banker. If you’re interested in putting up collateral in exchange for a lower interest rate, you’ll need business assets like commercial real estate.
To prepare to apply, gather your business and personal tax returns, financial statements, articles of incorporation and other legal documents.
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.
U.S. Bank is not responsible for the content or products shared by LSQ Funding, nor does it guarantee the system availability or accuracy of the information contained on their website. Please note that LSQ Funding may have privacy and information security policies that differ from those of U.S. Bank.
Return to content, Footnote 1Deposit products offered by U.S. Bank National Association. Member FDIC.
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