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Business lending

Loans and lines of credit from U.S. Bank

Manage everyday costs, navigate growth phases and achieve important milestones with U.S. Bank’s flexible business lending solutions.

 

Custom lending solutions for every business need.

Whether your business requires funding below or above $250K, our tailored lending options are designed to meet your unique goals and drive your success.

Over $250K: Powering large-scale growth

Commercial real estate financing, practice financing, SBA loans, equipment financing and lines of credit.

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Under $250K: Supporting small business growth

Quick Loan, Cash Flow Manager, SBA loans and equipment financing.

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Business term loans

We offer flexible financing solutions including Quick Loans (up to $250K), Business Term Loans, SBA Loans, Commercial Real Estate Loans and Practice Financing for acquisitions, expansions and equipment.

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Business line of credit

A business line of credit allows for flexible borrowing and as needs arise, you can draw on a line of credit and pay interest only on the amount you borrow. 

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Get a business financing recommendation.

Answer a few quick questions about your goals and borrowing needs and we’ll recommend lending options. From there, you can apply online for certain financing products or schedule time with a banker to take the next step.

Get a recommendation

Common questions about business lending

Loan amounts vary based on your business’s revenue, credit profile, and the type of loan you’re applying for. Many businesses qualify for funding between $5,000 and $250,000, but higher amounts may be available for commercial real estate or SBA-backed loans.

We look at several factors, including your credit score, time in business, annual revenue, and how you plan to use the funds. Having a clear business plan and financial documentation can help strengthen your application.

Not always. Some loans—like our Quick Loan or unsecured lines of credit—don’t require collateral. Others, like equipment or real estate loans, may be secured by the asset you’re financing.

Some loans offer same-day decisions, especially if you apply online. For larger or more complex loans, approval may take a few business days depending on the documentation required.

You can explore your options and get a financing recommendation without impacting your credit. A formal application may involve a credit check, which could result in a temporary dip in your score.

Explore related products & offerings.

business loans

SBA loans

U.S. Bank is an SBA Preferred Lender. SBA loans have benefits like smaller down payments and fixed & variable rate options. Contact a banker.

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Business Credit Cards

Find the small business credit card that works best for you and your business. Compare credit cards with various features like cash back or reward points.

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banking products

Business bank accounts

Start smart with a business bank account from U.S. Bank. Compare and open business checking accounts, business savings accounts and business CDs.

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Resources for diverse owned businesses

U.S. Bank diverse owned small business resources can help you grow and manage your business. Get started with our business experts, resources, and funding in your community today.

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Disclosures

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.

Line of credit interest rates and program terms are determined by U.S. Bank based on market conditions. Interest rates are subject to change without notice. A $150 annual fee applies to lines of $50,000 or less.

Financing under the Business Diversity Lending Program is subject to credit approval. Terms and conditions are subject to change.

Business Diversity Lending Program: To be eligible for the BDLP, your business must be at least 51% owned and operated by one or more individuals who are women, people of color and/or veterans. Demographic information regarding gender, race and veteran status is required only to determine eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.

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.

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.