Grow your business with our Business Diversity Lending Program.

BIPOC (Black, indigenous, and people of color), women and veterans receive less funding and access to credit than other business owners. We are committed to helping close historical funding gaps among traditionally underserved communities. The U.S. Bank Business Diversity Lending Program opens the door to more business owners through revisions to credit standards that improves access to business loans and lines of credit.

Minority-owned small businesses

Business loans are not keeping pace with the needs of diverse business owners. Our minority business loans help diverse business owners fund their dreams.

Women-owned small businesses

Women are opening businesses at a faster rate than men but are having less success obtaining funding. Our business loans for women help close these funding gaps.

Veteran-owned small businesses

You served your country. Now it’s time for us to serve you. If you’re a veteran under the Department of Veterans Affairs, you can apply for the financing you need to grow and maintain your business.

Flexible business loans up to $2.5 million

We offer many options to choose from, including secured or unsecured loans and fixed or variable rate programs. Through our Diversity Lending Program, diverse business owners can choose from traditional lines of credit, term loans, and owner-occupied commercial real estate and investment loans4 for borrowers with total financing needs of up to $2.5 million.

It’s simple to apply.

When you’re ready, you can simply apply for the loan you’re interested in through our general application form. During the application process, you will have the opportunity to disclose that you qualify for the Business Diversity Lending Program.

Resources for your business

We’re in this together. Here you’ll find resources and opportunities for diverse-owned businesses to help you thrive and grow. 

U.S. Bank Access Fund

We provide alternative funding to diverse-owned businesses. This includes $25 million supporting more than 30,000 women of color owned microbusinesses over three years.

U.S. Bank Access Commitment

U.S. Bank Access Commitment is our long-term framework to help build wealth, redefine how we serve diverse communities and bridge the wealth gap. As part of that overall commitment, Access Business creates more opportunities for diverse business owners.

U.S. Bank supplier diversity

We believe diversity is better for business and U.S. Bank has committed to this by increasing diversity with our own suppliers. In 2021, we spent over $515 million with certified minority, women, LGBTQ, veteran and disabled-owned businesses.

Take control of your cash flow.

From business checking to payment solutions, U.S. Bank offers products, resources and services to help small businesses thrive, all in one place.  

Pay & receive

Business banking options that seamlessly integrate with payment solutions to help you manage your business finances with ease.

Manage & run

Streamline your operations and make informed money decisions with a clear view of your finances in one place.

Plan & progress

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

Frequently asked questions

Start of disclosure content


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.

Start of disclosure content
  1. 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).

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

  3. 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.

  4. Developer and Investor applicants are eligible so long as the ownership requirement is met. Use of a management company does not exclude an applicant from the program.

  5. Business refers to the business entity applying for credit or to the individual in the case of sole proprietorships. 

Start of disclosure content

Loans and lines of credit are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.