Business Lending

Competitive loan rates and terms to fund your business.

Long-term or short-term financing – you’re covered whether it's business lines of credit for working capital to meet routine business expenses or business loans with fixed rates. For new or established businesses, get the funding for what's important to you.

Business loans

Flexible, affordable options to help cover major business expenses.

Business lines of credit

Enjoy the convenience of working capital options to help run your business.

Business credit cards

Improve your business cash flow while earning rewards on all your business purchases.

Is your business proudly diverse-owned?

Our Business Diversity Lending Program provides funding to diverse businesses with modified credit requirements for potentially easier approvals and favorable rates. See if you qualify.

Learn more

Find the business loan option that works best for you.

Whether you need to buy new equipment or cover operating expenses, you’ll have easy access to funds when you need them.

Commercial real estate lending

Navigate owner-occupied commercial loans and investment property loans to find the right funding option for your business.

Small Business Administration loans

Ideal for businesses that need flexible financing, Small Business Administration (SBA) loans offer lower down payments, require less paperwork than a conventional loan and are backed by the federal government through lending partners like U.S. Bank.

Equipment financing

Find financing for your business equipment essentials from manufacturing equipment to office furniture to keep your business running smoothly.

Practice financing

Discover compelling financing solutions for dental, medical, vision, and veterinary professionals, enabling you to secure, invest in, refinance and expand your practice while maintaining your financial health.

Get help finding a business lending option.

Answer a few questions, and we’ll help you understand financing choices to meet your business needs.

Help me decide

Find business lending tips and insights.

What determines business creditworthiness?

Lenders decide who gets credit and how much they get by using the 5 C’s to determine a person’s creditworthiness.

What is a good business credit score?

Your credit score determines your loan eligibility. The range of credit scores runs from 300 to 850. The higher the score, the better the loan terms.

What should I consider before taking out a business loan?

Determine if a loan is necessary and review your business credit history. Have a clear understanding of loan fees and terms.

Explore solutions for every stage of your business.

From business checking to payment solutions, U.S. Bank offers products, resources and services to help small businesses thrive, all in one place.

Pay & receive

Business banking options that seamlessly integrate with payment solutions to help you manage your business finances with ease.

Manage & run

Streamline your operations and make informed money decisions with a clear view of your finances in one place.

Plan & progress

Take your business to the next level with expert advice, lending solutions and staff management tools designed for growth.

Frequently asked questions

Ready to get started?

Disclosures

Credit products offered by U.S. Bank National Association and subject to normal credit approval.

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

For any deferred or promotional payment period, interest accrues and is amortized over the remainder of the term and outstanding balance.

Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. U.S. Bank and/or third-party fees may apply. Certain restrictions apply to refinancing options and are subject to program terms.

Equal Housing Lender

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.