BUSINESS TERM LOANS

Fuel your business growth with tailored loan solutions.

Business term loans provide capital to finance business growth and expansion needs with long-term repayment options.

  • Quick lending decisions.

  • Trusted SBA lending partner.

  • Over 160 years of history and expertise.

Lear more

Find a business term loan that meets your needs.

U.S. Bank Quick Loan

U.S. Bank Quick Loans are term loans that offer easy access to funding of up to $250,000 for small businesses, and unsecured loans up to $50,000. Experience a streamlined online application process and personalized attention from bankers.

Apply now
Learn more

Business term loan

A business term loan provides upfront cash to grow your business with loan amounts starting at $250,000. Use it for expansion, new equipment, or working capital.

Make an appointment

Commercial real estate loan

Remodel, refinance or expand your commercial property with flexible terms and competitive rates. May offer perks like tax breaks1 and stability from unexpected rent increases with a fixed-rate loan.

Make an appointment
Learn more

Small Business Administration (SBA) loans

SBA loans are long-term small business loans and lines of credit partially guaranteed by the government. Loan amounts up to $5 million or $12.375 million for real estate.2

Contact a banker
Learn more

Equipment financing

U.S. Bank can help your business run smoothly by finding the best financing option for your business. From manufacturing equipment to office furniture, the right loan can power your progress.

Apply now
Learn more

Find the best lending options for your business.

Answer a few quick questions about your business and borrowing needs and we’ll match you with the best lending options.

Get a recommendation

My local U.S. Bank business banker treats me like a successful businesswoman. I definitely see U.S. Bank helping me reach my next milestone.

Liz Field, founder of The Cheesecakery, U.S. Bank Client

Frequently asked questions

It’s easy. First, you’ll decide which loan is right for your business and then fill out an application either online or with a business banker. You’ll want to get together some documents to make it easier to apply such as your business and personal tax returns, financial statements and legal documents like your articles of incorporation.

With a business loan you’re loaned a lump sum of money you then repay with interest in fixed monthly installments. A business loan can help you finance general business needs like inventory, equipment or vehicles.

U.S. Bank is committed to supporting small businesses and connecting you with resources in your community. Connect with a Business Access Advisor to complete a financial assessment to get started.

Yes, SBA Paycheck Protection Program (PPP) loans can still be forgiven in 2025, provided borrowers meet specific eligibility and documentation requirements.

Explore related products & offerings.

business lending

Business lines of credit

U.S. Bank business lines of credit offer quick access to funds, competitive rates and flexible payment options.

Learn more

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.

Learn more

Employee rewards

Foster loyalty with your employees and customers with a prepaid employee rewards card. Make rewarding employees part of your business strategy.

Learn more

Managing a business

Get financial tools and solutions to manage your business. U.S. Bank helps manage your cash flow with money-smart tools to make running your business easier.

Learn more
Start of disclosure content

Disclosures

  1. Keynova Group semiannual Mobile Banker Scorecard, March 2024.

  2. For any deferred or promotional payment period, interest accrues and is amortized over the remainder of the term and outstanding balance.

Start of disclosure content

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

Purchase fee applies. Rewards Card cannot be reloaded with additional funds, nor can it be used at an ATM. No cash access. For use only as part of a loyalty, awards, or promotional program. Terms and conditions, including fees, apply. Rewards Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. Member FDIC. FDIC insured to Sponsor.

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.

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.