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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.

Explore lending options

Under $250K: Supporting small business growth

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

Explore lending options

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.

Explore business loans

Business lines 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. 

Explore lines of credit

Consider some of the key differences between business loans and lines of credit.

Key differences

Term loans

Lines of credit

Payout of funds

One-time funding

Advance as needed

Interest rates

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

Prepayment1

Annual fee2

Repayment timeline

Fixed

No maturity date (excludes unsecured SBA option)

Apply

Key differences

Payout of funds

Term loans

One-time funding

Lines of credit

Advance as needed

Key differences

Interest rates

Term loans

Typically, lower than a line of credit

Lines of credit

Typically, higher than a loan

Key differences

Interest paid on

Term loans

Full loan amount

Lines of credit

Only on advances

Key differences

Repayment

Term loans

Fixed monthly payment

Lines of credit

Minimum variable payments

Key differences

Fees

Term loans

Prepayment1

Lines of credit

Annual fee2

Key differences

Repayment timeline

Term loans

Fixed

Lines of credit

No maturity date (excludes unsecured SBA option)

Key differences

Apply

Term loans

Lines of credit

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.

Learn more
banking products

Business credit cards

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

Learn more
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.

Learn more
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.

Learn more

Let’s connect.

Explore locations

Find the U.S. Bank branch nearest you.

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.

Looking for something else?

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Disclosures

  1. 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.

  2. 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.

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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.