Secure limited-time rates through October 15. Complete your business loan or credit line application online.
To ensure a smooth application process, you can upload documents, e-sign and get funds electronically. We'll guide you through the process. U.S. Bank customers enrolled in online banking will have some information prefilled.
For a limited time, get interest rates as low as 8.49% 1 with loan terms from 49-60 months and autopay 2 from a U.S. Bank account.
Business Line of Credit
For a limited time, get variable rates as low as Prime + 3.49% 3 with autopay 2 from a U.S. Bank account.
Online application is limited to businesses with no more than five owners. For secured applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position. If you have more than $1 million in credit with U.S. Bank, you should apply for additional credit directly with your banker or relationship manager.
Advance as needed
Typically lower than a line of credit
Typically higher than a loan
Full loan amount
Only on advances
Fixed monthly payment
Minimum variable payments
No maturity date (excludes unsecured SBA option)
Advance as needed
Typically lower than a line of credit
Typically higher than a loan
Full loan amount
Only on advances
Fixed monthly payment
Minimum variable payments
No maturity date (excludes unsecured SBA option)
Business Diversity Lending Program
U.S. Bank is committed to improving access to financing for up to $2.5 million for diverse-, woman- or veteran-owned businesses.
Start of disclosure content Return to content, FootnoteThe 8.49% interest rate applies to the U.S. Bank Quick Loan (Secured by General Business Assets) for loan terms from 49 to 60 months for credit qualified applicants. Automatic monthly payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of .50%. Higher rates may apply based on a lower credit score or not having automatic monthly payments. Advertised interest rates will be between 8.49% and 13.49%. If automatic payments are later canceled, the rate discount no longer applies, and the interest rate will increase by .50%. Advertised rate effective 08/01/2024 through 10/15/2024 and subject to change without notice based on market conditions. Quick Loans for vehicles cannot be completed online.
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.
For credit qualified applicants, the advertised interest rate for 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.
