Discover the right business loan.

U.S. Bank business loan options can be used to cover operating expenses, maintain inventory, pay vendors and more. Backed by the strength and stability of U.S. Bank, our business loans offer you competitive rates, flexible terms and guidance from a business banker.

U.S. Bank Quick Loan

Quick loan with an online application

  • Up to $250,000
  • Fixed interest rates

Business Term Loan

Conventional financing

  • Secured by business assets
  • Fixed interest rates

Commercial Real Estate Loan

Owner-occupied or investment property

  • Amortizations up to 25 years
  • Variable or fixed rates

Small Business Administration (SBA)

Government-backed loans

  • Up to $12.375 million1
  • Faster loan process as part of the SBA program
  • Preferred SBA Lender

Equipment financing

Essential business asset financing

  • Up to $1,000,000
  • Finance up to 125% with soft costs
  • Multiple pieces of equipment on one contract

SBA Paycheck Protection (PPP)

PPP loan forgiveness

  • PPP loan borrowers must meet certain requirements.
  • Customer assistance is available.

Understand key facts 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

Get help finding a business lending option.

Prepare for unexpected business expenses while expanding your purchasing power.

My local U.S. Bank business banker treats me like a successful businesswoman. I definitely see U.S. Bank helping me reach my next milestone.

– Liz Field, founder of The Cheesecakery

Photo of Liz Field, founder of The Cheesecakery

Learn more about business loans from financial experts.

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.

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.

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.

Make your dream a reality with our support.

Take your business to the next level with expert advice, lending solutions and staff management tools designed for growth with U.S. Bank solutions.

Have a question about a business loan? We have answers.

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Disclosures
  1. Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. Certain restrictions apply to refinancing options and are subject to program terms. Refinances of existing SBA loans are excluded.

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Credit products offered by U.S. Bank National Association and subject to normal credit approval.

Financing maximums and terms are determined by borrower qualifications and use of funds.

For any deferred or promotional payment period, interest accrues and is amortized over the remainder of the term and outstanding balance.

Instant decision and same day funding for qualified applicants.