Business Loans
Prepare for the unexpected.
Find the financing that meets your business needs.
Discover the right business loan.
U.S. Bank Business Essentials® 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
- Up to $1 million
- Secured by business assets
- Fixed interest rates
Commercial Real Estate Loan
Owner-occupied or investment property
- Up to $10 million
- 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
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 Business Essentials.
Have a question about a business loan? We have answers.
It’s easy. First, you’ll decide which loan is right for your business and then fill out an application either online or with a business banker. You’ll want to get together some documents to make it easier to apply such as your business and personal tax returns, financial statements and legal documents like your articles of incorporation.
With a business loan you’re loaned a lump sum of money you then repay with interest in fixed monthly installments. A business loan can help you finance general business needs like inventory, equipment or vehicles.
A Small Business Administration (SBA) Express Loan is a long-term small business loan up to $250,000 that is partially guaranteed by the government. Unlike conventional term loans, an SBA Loan offers business owners the opportunity to take advantage of favorable terms as part of the SBA program, while removing some of the barriers to traditional financing options. And as a Preferred SBA Lender, our program offers a faster loan process with reduced paperwork for businesses that have been in operation for less than two years.
U.S. Bank is committed to supporting diverse owned businesses and connect you with resources in your community. Connect with a Business Access Advisor to complete a financial assessment to get started.
Ready to get started?
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