RESTAURANT AND FOOD SERVICE BUSINESS BANKING SOLUTIONS

Serve success with custom solutions for restaurant owners.

U.S. Bank offers payment solutions, payroll and staff management, merchant services, as well as financing and repair for kitchen equipment.

  • Accurately forecast cash flow.

  • Optimize your point-of-sale system.

  • Simplify payroll and tip disbursement.

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U.S. Bank is dedicated to seeing your restaurant thrive.

Boost cash flow.

Use our Cash Flow Forecast tool to better manage your business expenses.

Simplify payroll management.

U.S. Bank Payroll centralizes the tools you need to run payroll, manage tax forms and simplify daily business activities.

Grow your business confidently.

Get funding for your restaurant, café or food truck with a business loan, real estate loan or line of credit.

Key products for restaurants

Payment solutions

Restaurants large and small deserve financial solutions that streamline their business. Explore a wide range of tools and services to optimize your payment processing and simplify day-to-day operations.

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Business lending

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.

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Business credit cards

U.S. Bank offers a variety of business credit cards that can help you earn rewards on the purchases you make for your business. Explore and compare card options to jumpstart your business growth.

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Connect with industry-leading bankers.

Whether you are just starting out or have an established restaurant, our dedicated banking specialists are readily available to offer support and guidance.

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Access to capital can be challenging for small businesses. If U.S. Bank hadn’t stepped up, this wouldn’t have been a reality.

Tomme Beevas, owner of Pimento on the Lake restaurant, U.S. Bank client
Read the story

Frequently asked questions

Long-term or short-term financing – you’re covered whether it's lines of credit for working capital to meet routine operating expenses or business loans with fixed rates.

A U.S. Bank business credit card can give you access to funds to cover expenses, including inventory to help you plan and manage seasonal fluctuations.

Roll ADP® is a mobile app which manages payroll disbursement, tax filings, employee payroll statements with same-day and next-day direct deposit available. Just submit amounts and hours worked and the funds are directly deposited within 24 business hours. You can also opt for same-day deposits if you want to pay your staff even faster. In addition, you can easily integrate with QuickBooks® Online.

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Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

Make an appointment

Schedule a virtual or in-person meeting with a business banker.

Request a call

Fill in details about your banking needs and a representative will call you.

Call us

Call 800-673-3555 to talk with a representative right away.

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Disclosures

U.S. Bank Payment Solutions are powered by Elavon, a wholly owned subsidiary of U.S. Bank NA, and may have different privacy and security policies than U.S. Bank. For additional details, refer to the information found on the U.S. Bank Payment Solutions Privacy & Terms of Service page.

U.S. Bank is not affiliated with, is not responsible for and does not guarantee the products, services or performance of ADP.

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.

ADP and the ADP logo are registered trademarks of ADP, Inc., and Roll and Roll by ADP are trademarks of ADP, Inc.

U.S. Bank Payroll is a platform that enables small business customers to access third-party payroll processing services provided by Gusto, Inc. through the existing U.S. Bank online banking experience. U.S. Bank is not affiliated with Gusto, Inc.  For more information, please refer to the Embedded Payroll Service page.

U.S. Bank is not affiliated with QuickBooks®. QuickBooks® is a registered trademark of its respective owner.

SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

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

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.

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