Cash Flow Manager credit line details

The U.S. Bank Cash Flow Manager business credit line is a revolving line of credit that can help ensure you have working capital for seasonal purchases, inventory and short-term cash needs.


  • Limited-time interest rates as low as Prime + 1.99%1,2
  • Credit lines up to $250,000
  • Competitive interest rates with the option to lock in a fixed interest rate on existing balances
  • Best for companies in business 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


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

Get started with our easy online application.

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. Have your business and personal information ready, including Tax ID number and gross annual sales information, and let’s get started.

For secured general purpose loan applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position using all business assets as collateral. If you currently have more than $1 million in credit with U.S. Bank, you should apply for additional credit directly with your banker or relationship manager.

Which credit line is right for you?

Secured business line of credit

A secured line uses your business assets as collateral and offers line amounts up to $250,000 and lower interest rates.

Unsecured business line of credit

An unsecured line does not use collateral and offers line amounts up to $100,000 and higher interest rates.

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  1. For U.S. Bank Cash Flow Manager account either unsecured or secured with general business assets, for credit qualified applicants, your interest rate will be between Prime + 1.99% and Prime + 5.99%. The interest rate is determined at the time of application and will not change. Prime refers to U.S. Bank’s announced Prime Rate. The Annual Percentage Rate (APR) will vary with Prime Rate (the index) as published in the Wall Street Journal. Advertised rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank checking or savings account. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Unsecured Cash Flow Manager has maximum line amount of $100,000. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. The Cash Flow Manager Line of Credit rate is variable and has a minimum interest rate of 6.00%. Advertised rate is as of 9/5/2023 and subject to change without notice based on market conditions. Advertised rate expires 10/31/2023. Rates are tied to Wall Street Journal Prime Rate and subject to change daily based on market conditions.

  2. Automatic payments are not required for loan approval, but automatic payments from a U.S. Bank checking or savings account are required to receive the advertised rate specified above. Rates may vary based on, but not limited to, credit qualifications, term selected, approved amount, existing relationship, and/or collateral condition and loan to value.

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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.