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.


  • Credit lines up to $250,000
  • Competitive rates with the option to lock in a fixed rate on existing balances.
  • Best for business 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



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


Get started with our easy online application.

We'll guide you through the loan application process in a few sections and you can save your progress anytime and return later. If you're a U.S. Bank customer enrolled in online banking, we'll prefill some information for you. Make sure to have your business and personal details, including your Tax ID number and gross annual sales information, ready to go.

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.

Unsecured business line of credit

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

Business Diversity Lending Program

Help your business thrive.

U.S. Bank is committed to helping close historical lending gaps among diverse owned businesses, women and veterans. Our Business Diversity Lending Program includes U.S. Bank’s traditional business loans and lines of credit, but with credit guidelines that open the door to include a wider audience of business owners.

Start of disclosure content


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.