A business line of credit lets a business borrow up to a certain amount of money and will only charge interest on the amount of money borrowed (like how your credit card works). A line of credit is unlike a traditional loan where you’d be given a lump sum of money that you’d pay back with interest in monthly payments.
Business lines of credit
Access working capital to help run your business.
Why do you need a business line of credit?
For sudden expenses, cash-flow needs and major purchases, a line of credit allows you quick, easy access to your available funds.
Cash flow manager
Manage cash flow.
- Up to $250,000
- Manage cash flow
- Competitive rates with the option to lock in a fixed rate
Business line of credit
Purchase materials, equipment or inventory.
- Competitive interest rates
- Interest-only payment option
Business equity line of credit
Use real estate as equity.
- Revolving terms with a 5-year maximum
- Monthly interest-only payments
Business reserve line
Protection from overdraft charges.
- Up to $5,000
- No annual fee
- Linked to your U.S. Bank business checking account
Get help finding an option to meet your need.
Answer a few questions, and we’ll help you understand your business lending options.
Understand key characteristics of a business loan.
- One-time payout of funds
- Interest rates are typically lower than a line of credit
- Interest is paid on full amount
- Repayment is a fixed monthly payment
- May have a prepayment fee
- Fixed repayment timeline
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Frequently asked questions
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Equal Housing Lender