Apply today for competitive rates.

Secured Business Term Loan

Ideal for major investments like expansion or acquiring equipment.

Rates as low as 7.49%1

Key features:

  • 49-60 month term
  • $0 origination fee
  • Rate includes autopay from a U.S. Bank checking or savings account
  • Additional 1% rate discount for loans greater than $100,000
  • Competitive fixed interest rates and monthly payments
Apply now

Secured Business Line of Credit

Ideal for working capital, seasonal expenses or inventory and payroll.

Rates as low as Prime + 3.49%2

Key features:

  • No annual fee for lines of credit over $50,000
  • $150 annual fee for lines $50,000 and less
  • Get competitive rates, lock in a fixed rate on current balances, and repay only what you borrow


Apply now

More ways to fund your business.

We offer traditional and Small Business Administration (SBA)-backed options as a leading national lender.3

Competitive rates. Real flexibility.

Lock in financing up to $250,000 with strong rates and terms that fit your business.

Fast answers and funding.

Apply in minutes, with the potential for quick decisions and funding.

Expert help is just a call away.

Speak to a loan specialist who can help you choose the right financing for your business.

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Other lending options

Unsecured Business Term Loan

  • No collateral required
  • Loans amounts up to $50,000
  • Terms up to 48 months
Apply now

Unsecured Business Line of Credit

  • No collateral required
  • Loans amounts up to $100,000
  • $0 annual fee for lines over $50,000 and a $150 annual fee for lines under $50,000
Apply now
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Disclosures

  1. The 7.49% interest rate applies to the U.S. Bank Quick Loan (Secured by General Business Assets) for loan terms from 49 to 60 months for credit qualified applicants. Automatic payments are not required for Quick Loan approval, but automatic payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of 0.50% for the term of the loan. Higher rates may apply based on a lower credit score or not having automatic monthly payments. Advertised interest will be between 7.49% and 11.49%. Advertised rate effective 04/1/2026 and subject to change without notice, based on market conditions.  Quick Loans for vehicles cannot be completed online.

  2. For credit qualified applicants, the advertised interest rate for secured U.S. Bank Cash Flow Manager will be between Prime + 3.49% and Prime + 5.49%. The interest rate is determined at the time of application and will not change during the application process. The Cash Flow Manager Line of Credit has a minimum interest rate of 6.00%. Prime refers to U.S. Bank’s announced Prime Rate. The Annual Percentage Rate (APR) will vary with Prime Rate (the index) as published in the Wall Street Journal, which is subject to change at any time. Automatic monthly payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of 0.50%. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. Advertised rate is as of 04/1/2026 and subject to change without notice based on market conditions.

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

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. Not all loan programs are available in all states for all loan amounts.

If the loan is prepaid in full within one year of the note date, a prepayment fee of 1% of original loan amount is a minimum of $50.00 and a maximum of $100.00. If the loan is SBA guaranteed, there are no prepayment penalties.

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.