Cash Flow Manager

Optimize your cash flow with a business line of credit.

Get a competitive rate on a U.S. Bank Business line of credit, with the potential for quick decisioning and fast funding.1

  • Up to $250,000

  • Lending options available with no collateral required

Apply for Cash Flow Manager

Financing benefits that fit your business

Whether it's purchasing inventory, payroll or unplanned expenses, our Cash Flow Manager offers a flexible line of credit with an option to lock in a fixed rate on existing balances. We offer competitive rates up to $250,000 to drive your business forward.

Repay only what you borrow

Quickly and easily borrow, repay and re-borrow funds through the business online banking dashboard, a Visa Platinum card, convenience checks or at a local branch.

Maximize your savings

Pairing your loan with a U.S. Bank checking or savings account can unlock additional savings, most notably through automatic payment discounts.

Quick lending decisions

Our simple online application process makes it easy to unlock the potential for quick decisioning and fast funding.

Compare line of credit options

Line features

Secured Cash Flow Manager

Unsecured Cash Flow Manager

Best for

A business looking for a larger line of credit. Eligible business assets are used as collateral

Does not require business assets as collateral

Amount

Offers up to $250,000

Offers up to $100,000

Annual fees

$0 annual fee on lines greater than $50,000; $150 annual fee for lines $50,000 or less1

$0 annual fee on lines greater than $50,000; $150 annual fee for lines $50,000 or less1

Apply

Line features

Best for

Secured Cash Flow Manager

A business looking for a larger line of credit. Eligible business assets are used as collateral

Unsecured Cash Flow Manager

Does not require business assets as collateral

Line features

Amount

Secured Cash Flow Manager

Offers up to $250,000

Unsecured Cash Flow Manager

Offers up to $100,000

Line features

Annual fees

Secured Cash Flow Manager

$0 annual fee on lines greater than $50,000; $150 annual fee for lines $50,000 or less1

Unsecured Cash Flow Manager

$0 annual fee on lines greater than $50,000; $150 annual fee for lines $50,000 or less1

Line features

Apply

Secured Cash Flow Manager

Unsecured Cash Flow Manager

Get started with our simple online application.

Have your business and personal information ready, including your:

  1. Name, business address and phone number, Tax ID/Social Security Number/Employer Identification Number.
  2. Gross annual sales information.
  3. In some cases, we may need your latest tax returns, financial statements, or legal documents like articles of incorporation.
  4. For secured applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position.
  5. A Personal Guaranty is required for small business loans and lines of credit.2
Apply now

Frequently asked questions

A line of credit is a way to help build your business. 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.

Term loans and lines of credit are two different types of business financing:

  • A term loan provides a lump sum upfront. You repay on a fixed schedule until you’ve repaid the full sum. Interest rates and fixed rates are typically lower than a line of credit and interest is paid on the full amount of the loan.
  • A line of credit has a variable interest rate and provides access to ongoing funds from which you can request one or more draws and borrow any amount up to your given limit. You repay only what you’ve borrowed on a fixed schedule.

Your repayment schedule and terms may vary.

Explore related products & offerings.

resource center

Diversity Lending Program

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.

Learn more
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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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Equipment financing

Learn about U.S. Bank business equipment financing options and get the funding needed to purchase essential equipment for your business.

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Let’s connect.

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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. 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.

  2. U.S. Bank requires business owners to provide a personal guaranty to obtain credit. The term personal guaranty refers to an individual’s contractual promise to personally repay credit issued to a business if the business fails to repay its debt obligations.

Start of disclosure content

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.

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

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.