Banking solutions that help you run your business

Our comprehensive digital and full-service personal services banking solutions will help simplify managing your finances, client accounts and staffing so you can focus on delivering the best service for your customers.

Handle payments with flexible options.

  • Accept credit and debit card payments online, in-store, or on the go with a point-of-sale system that can grow with your business.

  • Optimize your business with built-in tools for inventory management, sales and staffing.

  • Access funds within hours with Everyday Funding.1

  • Easily create invoices and manage your finances in one place.

Manage cash flow for your personal services business.

  • Monitor your finances using our cash flow forecast tool, free in the online business banking dashboard or on the mobile app.

  • Fund your business with a business loan or line of credit.

  • Use our reporting and analysis tools to ensure you have the funds to keep your business running smoothly.

Streamline payroll with convenient tools.

  • Manage payroll with SinglePoint® Essentials, our one-stop tool for managing check, wire and ACH accounts. 

  • Save time and money over paper paychecks with electronic payroll.

  • Access full-service flexible payroll, tax and human resources support.

Fund your business with financing solutions.

  • Finance essential assets with business equipment financing.

  • Make your own storefront a reality with a commercial real estate loan.

  • Let U.S. Bank help you tap into government-backed loans through the Small Business Administration (SBA).

Explore resources for managing your personal services business.

Learn financial tips and hear stories from other small business owners.

What type of loan is right for your business? 

Borrowing money is a big step for business owners. Evaluating your goals and specific needs can help you decide if a loan or line of credit is right for your business.

Eight ways for small business owners to manage their cash flow

Knowing how much cash is coming in and going out, and accurately forecasting sales and expenses, is critical to success. Here are the top things to keep in mind when managing your cash flow.

What you need to apply for an SBA loan

There are different types of Small Business Administration loans, with each having their own set of requirements. Find out how you can apply for an SBA loan.2

Grow your business with our Diversity Lending Program.

U.S. Bank is committed to supporting minority-, woman-, and veteran-owned businesses in reaching their goals with access to funding, support, and financial resources. Find out if you qualify for a business loan or line of credit through the U.S. Bank Business Diversity Lending Program.

Gifts that grow your business and brand loyalty.

Want a cost-effective way to attract and retain customers? Need to maximize your advertising dollars? Our gift card programs are smart and easy to set up.

Support for small businesses

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 cash flow and receive payments to keep your operations running smoothly.

Manage & run

Manage cash flow swings with a clear view of your finances in one place.

Plan & progress

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

Frequently asked questions

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Disclosures
  1. Everyday Funding is available at no additional charge to U.S. Bank Payment Solutions merchants with a U.S. Bank Business Checking account. Funding speeds will vary between weekdays and weekends and are dependent on batch times. Funding is based on batch and will be processed every day, including weekends. Activation may take between three to five business days from date of Everyday Funding service request. Once the file is activated, there will be a change in the description of the payment when it is posted to your bank account.

  2. 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. Some restrictions and fees may apply.

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Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

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