Funding to help you navigate the future.
Complete your business loan or credit line application online.
Quick Loan Cash Flow Manager
Apply for business financing in minutes.
A U.S.Bank Quick Loan and Cash Flow Manager online application makes it easy for you to accessfinancing that will impact your business for the long haul. Upload documents, e-sign and disburse funds electronically. We’ll guide you through a few sections, and you can save your application any time then return to it later. If you’re a U.S. Bank customer enrolled in online banking, we’ll prefill some information for you.
Business loan
Quick Loan
Simple and hassle-free business loan application process with expedited decisions and one-time payout of funds.
- Interest rates as low as 8.49%1 with loan terms from 49-60 months and autopay from a U.S. Bank account3
- Financing up to $250,000 with no origination fee
- Financing to grow your business, purchase equipment or provide working capital
- Competitive rates and flexible terms
Apply for a Quick Loan
Business line of credit
Cash Flow Manager
Designed for business owners who need ongoing access to cash - and the application process is easy.
- Limited-time rates as low as Prime + 1.49%2 with autopay from a U.S. Bank account3
- Lines of credit up to $250,000
- Provides working capital for seasonal purchases, inventory and short-term cash needs
- Competitive variable interest rates with option to lock in fixed rateon existing balances
Apply for Cash Flow Manager
In order to apply and qualify online, you’ll need:
To include all business owners on the application with at least 20% ownership
Business and personal information, including Tax ID number and estimated gross annual sales
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.
Consider some of the key differences between business loans and lines of credit.
Key differences |
Loans |
Lines of credit |
---|---|---|
Payout of funds | One-time payment | Advance as needed |
Interest rates | Typically lower than a line of credit | Typically higher than a loan |
Interest paid on | Full loan amount | Only on advances |
Repayment | Fixed monthly payment | Minimum variable payments |
Fees | Prepayment | Annual fee |
Repayment timeline | Fixed | No maturity date (excludes unsecured SBA option) |
Apply for a loan | Apply for a line of credit |
Key differences
Payout of funds
Loans
One-time payment
Lines of credit
Advance as needed
Key differences
Interest rates
Loans
Typically lower than a line of credit
Lines of credit
Typically higher than a loan
Key differences
Interest paid on
Loans
Full loan amount
Lines of credit
Only on advances
Key differences
Repayment
Loans
Fixed monthly payment
Lines of credit
Minimum variable payments
Key differences
Fees
Loans
Prepayment
Lines of credit
Annual fee
Key differences
Repayment timeline
Loans
Fixed
Lines of credit
No maturity date (excludes unsecured SBA option)
Key differences
Loans
Apply for a loan
Lines of credit
Apply for a line of credit
Help your business thrive with our Business Diversity Lending Program.
U.S. Bank is committed to helping close historical lending gaps among minorities, women and veterans. Our Business Diversity Lending Program includes U.S. Bank’s traditional business loans and lines of credit, but with credit guidelines that open the door to include a wider audience of business owners.
Learn more
Driving your business forward requires a steady flow of capital.
U.S.Bank partners with you and your business to ensure you’re getting financing that best fits your unique goals and needs.
Our loans and lines of credit may be a smart and affordable way to meet routine business expenses. With our streamlined process and timely decisions, you get the money you need all backed by a trusted and ethical bank.
Prefer to talk with a banker?
Start of disclosure content
Footnote
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Disclosures
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The 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. Advertised rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank checking or savings account. Higher rates may apply based on a lower credit score or not having automatic monthly payments taken from a U.S. Bank checking or savings account. Advertised rate effective 2/01/24 through 4/02/24 and subject to change without notice based on market conditions. Quick Loans for vehicles cannot be completed online.
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For U.S. Bank Cash Flow Manager secured with general business assets, for credit qualified applicants, your interest rate will be between Prime + 1.49% and Prime + 5.49% The interest rate is determined at the time of application and will not change.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. Advertised rate reflects 0.50% discount based on automatic monthly payments from a U.S. Bank checking or savings account. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Unsecured Cash Flow Manager has maximum line amount of $100,000. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. The Cash Flow Manager Line of Credit rate is variable and has a minimum interest rate of 6.00%. Advertised rate is as of 02/01/24 and subject to change without notice based on market conditions. Advertised rate expires 4/02/24. Rates are tied to Wall Street Journal Prime Rate and subject to change daily based on market conditions.
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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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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.
Financing maximums and terms are determined by borrower qualifications and use of funds.