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.

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.

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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.

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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.

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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

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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.

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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.

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

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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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business prepaid cards

Employee rewards

Reward employees with a flexible prepaid card solution from U.S. Bank. A smart way to recognize performance, control costs & simplify disbursements.

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Online banking

Use U.S. Bank’s money-smart tools available in business online banking to manage your business bank accounts and make running your business easier.

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Let’s connect.

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Schedule a virtual or in-person meeting with a business banker.

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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. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

  2. 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.

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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.