FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Apply for business financing in minutes.
A U.S. Bank Quick Loan1 and Cash Flow Manager online application makes it easy for you to access financing that will impact your business for the long haul. Upload documents, e-sign and disburse funds electronically. We’ll guide you through a few sections, and you can save your application any time then return to it later. If you’re a U.S. Bank customer enrolled in online banking, we’ll prefill some information for you.
Business loan
Simple and hassle-free business loan application process with expedited decisions and one-time payout of funds.
- Financing up to $250,000 with no origination fee
- Financing to grow your business, purchase equipment or provide working capital
- Competitive rates and flexible terms
Business line of credit
Interest rates as low as 7.75%3
Cash Flow Manager
Designed for business owners who need ongoing access to cash - and the application process is easy.
- Lines of credit up to $250,000
- Provides working capital for seasonal purchases, inventory and short-term cash needs
- Competitive variable interest rates with option to lock in fixed rate on existing balances
In order to apply and qualify online, you’ll need:
To include all business owners on the application with at least 20% ownership
Business and personal information, including Tax ID number and estimated gross annual sales
Online application is limited to businesses with no more than two owners. For secured applications, U.S. Bank will file a UCC lien and must be in first lien position. If you have more than $1 million in credit with U.S. Bank, you should apply for additional credit directly with your banker or relationship manager.
Loans
Lines of credit
Payout of fund
One-time payment
Advance as needed
Interest rate
Typically lower than a line of credit
Typically higher than a loan
Interest paid on
Full loan amount
Only on advances
Repayment
Fixed monthly payment
Minimum variable payments
Fees
Prepayment
Annual fee
Repayment timeline
Fixed
No maturity date (excludes unsecured SBA option)
Driving your business forward requires a steady flow of capital.
U.S. Bank partners with you and your business to ensure you’re getting financing that best fits your unique goals and needs.
Our loans and lines of credit may be a smart and affordable way to meet routine business expenses. With our streamlined process and timely decisions, you get the money you need all backed by a trusted and ethical bank.
Prefer to talk with a banker?
Disclosures
Equal Housing Lender