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  • Business banking  / 
  • Business Lending  / 
  • Business lines of credit

Business lines of credit

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

Learn about Cash Flow Manager

Business Line of Credit

Purchase materials, equipment or inventory.

Up to $1 million

Competitive interest rates

Interest-only payment option

Make an appointment

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

Make an appointment

Business Reserve Line

Protection from overdraft charges.

Up to $5,000

No annual fee

Linked to your U.S. Bank business checking account

Make an appointment

Invoice financing with LSQ

Get cash for unpaid invoices1.

Advance rates of up to 85% of open invoices

Straightforward pricing

No long-term contracts

Learn about invoice financing

Get help finding an option to meet your need.

Answer a few questions, and we’ll help you understand your business lending options.

Get a business financing recommendation

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.

How to leverage credit

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.

Take the quiz

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.

Borrowing for your business

Frequently asked questions


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.


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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.

  1. 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.

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

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