Lines of credit

Boost your business with a U.S. Bank line of credit.

Take advantage of competitive rates, with fast answers and quick funding upon approval.1 Gain access to short-term cash for making purchases, covering payroll and seasonal needs.

Questions before you get started?

Talk to a dedicated U.S. Bank Business Banker by calling 855‑625‑7354.

Compare your options.

Enjoy competitive variable rates or ask about locking in a fixed rate on an existing balance. Small Business Administration (SBA) financing available.2

U.S. Bank Secured Cash Flow Manager

  • Line amounts up to $250,000
  • Best for businesses with larger financing needs
  • Eligible business assets are used as collateral3
Apply for secured

U.S. Bank Unsecured Cash Flow Manager

  • Line amounts up to $100,000
  • Best for businesses that need quick access to funds
  • No assets needed as collateral
Apply for unsecured

Explore related products & offerings.

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Payment solutions

Simplify payments with secure, reliable and efficient credit card processing for businesses of all sizes.

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U.S. Bank Gold Business Checking

Pair your line of credit with a U.S. Bank Gold Business Checking account to unlock additional savings.

Learn more

Commercial real estate

Find loans for owner-occupied, investment property or small business real estate financing.

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Frequently asked questions

A line of credit is more flexible. You only borrow what you need, when you need it and only pay interest on the amount you use. It’s a great option for managing cash flow or covering unexpected expenses.

Have your business and personal information ready, including:

  • Name, business address and phone number
  • Tax ID/Social Security number/Employer Identification Number
  • Gross annual sales information
  • Date your business was established
  • Industry code that best describes your primary business activity

In some cases, we may need your latest tax returns, financial statements or legal documents like articles of incorporation.

For secured applications, U.S. Bank will file a UCC lien. We must be in the first lien position. Plus, a personal guaranty is required for small business loans and lines of credit.4

It can help your business handle day-to-day operations or pursue new opportunities. Use a line of credit to cover unexpected expenses, purchase inventory or bridge gaps between accounts receivable and payable.

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Disclosures

  1. Line of credit interest rates and program terms are determined by U.S. Bank based on market conditions. Interest rates are subject to change without notice. A $150 annual fee applies to lines of $50,000 or less.

  2. 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.

  3. U.S. Bank will file a UCC-1 lien and must be in first lien position using all business assets as collateral.

  4. 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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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.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

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