Choose a business loan to maximize your financial potential.

A Business Term Loan can help your growth—whether you’re investing in new equipment, purchasing vehicles, improving your office or managing daily expenses. Benefit from competitive fixed interest rates with no origination fees.1

Secured Business Term Loan

Uses your eligible business assets as collateral and receive loan amounts from $5,000 up to $250,000, with terms up to 84 months.

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Unsecured Business Term Loan

Does not require collateral and offers loan amounts up to $50,000, with terms up to 48 months.

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Financing benefits that fit your business.

U.S. Bank has a wide variety of lending options that support the growth of your business through access to capital with competitive pricing, custom solutions and expert guidance.

Competitive rates

U.S. Bank offers easy access to funding up to $250,000 for small businesses with competitive rates and flexible terms.

Quick lending decisions

Our simple online application process makes it easy to receive quick decisions and fast funding.

A variety of lending options

We offer secured or unsecured financing options and Small Business Administration (SBA) loans.

Business banking expertise

Our team of local and virtual bankers has deep knowledge in meeting the unique needs of business owners.

Get started with our easy online application.

  1. Provide your name, business address and phone number, Tax ID/Social Security Number and Employer Identification Number.
  2. Include information about your gross annual sales.
  3. In some cases, we may require your most recent tax returns, financial statements, or legal documents, such as articles of incorporation.
  4. For secured applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must retain the first lien position.
  5. A Personal Guaranty is required for small business loans and lines of credit.2
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Looking for access to business funding opportunities?

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.

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Disclosures

  1. If the loan is prepaid in full within one year of the note date, a prepayment fee of 1% of original loan amount is a minimum of $50.00 and a maximum of $100.00. If the loan is SBA guaranteed, there are no prepayment penalties.

  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.

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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.

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

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.

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.

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.