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Secured Cash Flow Manager credit line offer

Variable interest rates as low as Prime + 3.49%1 with autopay2 from a U.S. Bank account.

BEST FOR 

Managing seasonal purchases, maintaining inventory levels and meeting short-term cash needs, such as payroll expenses, quarterly taxes and more.

  • Credit lines up to $250,000
  • Competitive rates with the option to lock in a fixed rate on existing balances
  • Accessible with a Visa Platinum Card, convenience checks, online banking, Business Service Center or at a branch
  • $0 for lines greater than $50,000
  • $150 for lines $50,000 and less

Financing benefits that fit your business.

U.S. Bank offers easy access to funding up to $250,000 for small businesses, with a streamlined application process and personalized attention from bankers.

Quick lending decisions

Our simple and convenient online application makes it possible to receive financing decisions and your funds in minutes.

Digital lending management tools

Use U.S. Bank’s business online banking to easily make payments and manage your loans or lines of credit.

Trusted SBA lending partner

U.S. Bank is proud to be a designated SBA Preferred Lender providing Small Business Administration (SBA) loans.

Over 160 years of history and expertise.

For generations, business owners have trusted U.S. Bank with their financial needs.

Get started with our easy online application.

We'll guide you through the application process in a few sections and you can save your progress anytime and return later. If you're a U.S. Bank customer enrolled in online banking, we'll prefill some information for you. Make sure to have your business and personal details, including your Tax ID number and gross annual sales information, ready to go.

For secured general purpose applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position using all business assets as collateral. If you currently have more than $1 million in credit with U.S. Bank, you should apply for additional credit directly with your banker or relationship manager.

Which credit line is right for me?

Secured business line of credit

Leverages your business assets as collateral and offers up to $250,000.

Apply now

Unsecured business line of credit

Does not require collateral and offers up to $100,000.

Apply now

Business Diversity Lending Program

Help your business thrive.

U.S. Bank is committed to improving access to financing with up to $2.5 million in funding for diverse-, woman- or veteran-owned businesses.

Learn more
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Disclosures

  1. For credit qualified applicants, the advertised interest rate for secured U.S. Bank Cash Flow Manager will be between Prime + 3.49% and Prime + 6.49%. The interest rate is determined at the time of application and will not change during the application process. The Cash Flow Manager Line of Credit has a minimum interest rate of 6.00%. Prime refers to U.S. Bank’s announced Prime Rate. The Annual Percentage Rate (APR) will vary with Prime Rate (the index) as published in the Wall Street Journal, which is subject to change at any time. Automatic monthly payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of 0.50%. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. If automatic payments are later canceled, the rate discount no longer applies, and the interest rate will increase by 0.50%. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. Advertised rate is as of 08/01/2024 and subject to change without notice based on market conditions. Advertised rate offer expires 10/15/2024.

  2. Automatic payments are not required for loan approval, but automatic payments from a U.S. Bank checking or savings account are required to receive the advertised rate specified above. Rates may vary based on, but not limited to, credit qualifications, term selected, approved amount, existing relationship, and/or collateral condition and loan to value.

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

Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. Certain restrictions apply to refinancing options and are subject to program terms.

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

Demographic information regarding gender, minority and veteran status is required for the sole purpose of determining eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.

Minority racial categories include Hispanic/Latino, American Indian or Alaskan Native, Asian, Black or African American, and Native Hawaiian or other Pacific Islander as defined by the Equal Employment Opportunity Commission (EEOC).

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

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.

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.