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.

 

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 Finance Loans for acquisitions, expansions and equipment.

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Business lines of credit

With a line of credit, you have the flexibility to withdraw funds as needed. Use it to cover sudden expenses, inventory or other business needs, and only pay interest on the amount you borrow.

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Business Diversity Lending Program

Looking for access to business funding opportunities?

Our Business Diversity Lending Program is a special purpose credit program under the Equal Credit Opportunity Act, designed to support small businesses from varied backgrounds.

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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

Frequently asked questions

A business loan provides a one-time lump sum of money that you repay over a set term with fixed monthly payments—ideal for large purchases like equipment or expansion.

A business line of credit, on the other hand, gives you flexible access to funds up to a set limit, allowing you to borrow as needed and only pay interest on what you use. It’s great for managing cash flow, covering payroll, or handling seasonal expenses.

U.S. Bank offers both secured and unsecured options for loans and lines of credit, with competitive rates and terms tailored to your business.

U.S. Bank is proud to be a designated SBA Preferred Lender.

Learn more about how the application process works. There is a required set of documents to establish the business structure and leadership, legal articles of incorporation, creditworthiness, and the purpose of the SBA loan.

Contact an SBA Business Banking Specialist to apply.

The following U.S. Bank business loans and lines of credit are available to qualifying businesses owned by women,1 veterans2and people of color:3

  • Cash Flow Manager
  • Quick Loan
  • Business Term Loans
  • Business Lines of Credit
  • Owner-occupied and Investment property loans 4

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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banking products

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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resource center

Small business resources

Get started with U.S. Bank small business resources to help grow and manage your business. Find funding opportunities, advisors in your community and more.

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Let’s connect.

Explore locations

Not your branch?

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 866-280-3751 to talk with a representative right away.

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Disclosures

  1. Woman is defined as a person who lives and identifies as female.

  2. Veteran is defined as any person who (i) served in the Army, Navy, Marine Corps, Air Force, Coast Guard or National Guard, including any member of a reserve component of the foregoing services, and (ii) was discharged or released from service under conditions other than dishonorable.

  3. Eligible racial categories include American Indian or Alaskan Native, Asian, Black or African American, Hispanic/Latino, Native Hawaiian or other Pacific Islander and combined ethnic or racial groups.

  4. Developer and Investor applicants are eligible so long as the ownership requirement is met. Use of a management company does not exclude an applicant from the program.

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

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.

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.