• Location
  • Locations
  • Branch
  • Branches
  • ATM locations
  • ATM locator

Cash Flow Manager credit line details

The U.S. Bank Cash Flow Manager is a dynamic and flexible financing option with a revolving line of credit. Secure working capital to navigate seasonal purchases, maintain inventory levels and address short term cash needs.

Features

  • Credit lines up to $250,000
  • Competitive rates with the option to lock in a fixed rate on existing balances.
  • Best for businesses in operation for two years or more
  • Easily accessible with a Visa Platinum Card, convenience checks, online banking, Business Service center or at a branch
  • Easily manage your credit line through online banking

Fees

  • $0 annual fee on lines greater than $50,000
  • $150 annual fee for lines $50,000 or less

Financing benefits that fit your business.

U.S. Bank offers easy access to financing up to $250,000 for small businesses, with a streamlined application process and personalized attention from bankers.

Quick lending decisions

Our simple online application process makes it easy to quickly receive financing decisions.

Digital lending management tools

Use U.S. Bank’s business online banking to easily make payments and manage your lines of credit.

Trusted SBA lending partner

U.S. Bank is proud to be a designated SBA Preferred Lender providing Small Business Administration (SBA) loans.

Over 160 years of history and expertise

For generations, business owners have trusted U.S. Bank with their financial needs.

Get started with our easy online application.

Once you have decided which loan is right for your business, and have the information listed below ready, simply click Apply. 

We will guide you through the application, which you can save and return to any time. You can also login with your existing online banking credentials, and we will automatically prefill some information for you.

  • Name, business address and phone number
  • Tax ID/Social Security Number/Employer Identification Number
  • Gross annual sales information
  • In certain borrowing situations, we may need your most recent business and personal tax returns and financial statements, or legal documents like articles of incorporation

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.

A Personal Guaranty is required for small business loans and lines of credit.1

Which credit line is right for me?

Secured business line of credit

Leverages your eligible business assets as collateral and offers up to $250,000.

Apply now

Unsecured business line of credit

Does not require collateral and offers up to $100,000.

Apply now

Business Diversity Lending Program

Help your business thrive.

U.S. Bank is committed to improving access to financing with up to $2.5 million in funding for diverse-, woman- or veteran-owned businesses.

Learn more
Start of disclosure content

Disclosures

  1. U.S. Bank requires business owners to provide a personal guaranty to obtain credit. The term personal guaranty refers to an individual’s contractual promise to personally repay credit issued to a business if the business fails to repay its debt obligations.

Start of disclosure content

Line of credit interest rates and program terms are determined by U.S. Bank based on market conditions. Interest rates are subject to change without notice.

Financing under the Business Diversity Lending Program is subject to credit approval. Terms and conditions are subject to change.

Demographic information regarding gender, minority and veteran status is required for the sole purpose of determining eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.

Minority racial categories include Hispanic/Latino, American Indian or Alaskan Native, Asian, Black or African American, and Native Hawaiian or other Pacific Islander as defined by the Equal Employment Opportunity Commission (EEOC).

Woman is defined as a person who lives and identifies as female.

Veteran is defined as any person who (i) served in the Army, Navy, Marine Corps, Air Force, Coast Guard or National Guard, including any member of a reserve component of the foregoing services, and (ii) was discharged or released from service under conditions other than dishonorable.

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.

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