Small business loans under $250k

Flexible, fast and customized lending options under $250,000.

At U.S. Bank, we recognize the unique challenges small businesses encounter. We provide affordable loan options under $250,000 designed to empower your growth. With potentially swift approvals, adaptable terms and personalized financing solutions, we’re here to help you reach your business goals with confidence.

Why choose U.S. Bank for smaller scale financing?

Fast approvals

Decisions may be made more quickly, allowing for continued attention to business operations.

Flexibility

Choose from unsecured loans (no collateral required) or secured loans (using business assets as collateral) with competitive terms.

Trusted partner

With a strong reputation and years of experience, U.S. Bank is a reliable financial partner you can count on.

Explore funding options crafted for small businesses.

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. Apply online and get personalized support from bankers.

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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 up to $5M1.

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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 construction equipment to office furniture, the right financing solution can power your progress with a $375 origination fee.

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Equipment loans

An Equipment Quick Loan is a secured loan that provides potentially quick access to funds for purchasing equipment such as machinery, vehicles, computers or other technical equipment. Choose flexible terms for up to 84 months.

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Vehicle loan

A Quick Loan for vehicles provides $5,000–$250,000 in financing for new or used vehicles, with terms up to 84 months and no upfront costs for purchase or refinancing.

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Cash Flow Manager

Cash Flow Manager is a revolving business line of credit with an easy online application, so your business can get a quick decision on funding up to $250,000.
 

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Business reserve line of credit

Link this line of credit to your U.S. Bank checking account to protect yourself from cash deficits and overdraft fees up to $5,000.

 

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SBA (7a) Express Line of Credit

SBA Express Line of Credit provides up to $350,000 for small businesses, suitable for inventory, equipment or operational costs. Terms include a 48-month revolving period with any outstanding balance termed out over 72 months.

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Common questions about small business loans

These loans suit small businesses (seeking up to $250,000) with annual earnings below $2.5 million. Contact a lending specialist for more information.

You can use U.S. Bank business loans for a variety of purposes, including:

  • Expanding your business
  • Purchasing equipment
  • Managing cash flow
  • Refinancing existing debt

Contact a lending specialist for more information.

Our expertise, customization and commitment to your success set us apart. From tailored solutions to industry-specific guidance, we’re here to support your growth. Count on us as your trusted partner to unlock potential and achieve long-term success.

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Business checking accounts

U.S. Bank offers various business checking accounts to help manage your cash flow. Discover our account features & benefits. Open an account today.

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Business money market account

Elevate your savings with a business money market account from U.S. Bank. Compare accounts and easily calculate your potential earnings.

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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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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.

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Disclosures

  1. 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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Deposit products are offered by U.S. Bank National Association. Member FDIC.

For more detailed information on digital services and fees, refer to the Digital Service Agreement.

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.