The 5 C’s are the key factors in determining credit worthiness: 1) Character, 2) Capacity, 3) Capital, 4) Collateral and 5) Conditions.
Competitive loan rates and terms to fund your business.
Long-term or short-term financing – you’re covered whether it's 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.
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 commercial real estate funding option for your business.
Small Business Administations 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 equipment essentials from manufacturing equipment to office furniture to keep your business running smoothly.
Practice financing
Healthy lending options for veterinary, eye care, dentists and dental professionals to acquire or buy-in, refinance and expand your practices.
Get help finding a business lending option.
Answer a few questions, and we’ll help you understand financing choices to meet your business needs.
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 loan terms.
What to 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 Business Essentials.
From business checking to payment solutions, U.S. Bank Business EssentialsTM 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
LIBOR, one of the world’s most common benchmark interest rates, has been used for decades in financial products like business loans and adjustable-rate mortgages. However, a world-wide transition is underway to replace it with rate alternatives. Existing contracts that use LIBOR as a benchmark rate can continue to be serviced through the June 30, 2023 cessation date. For new contracts, regulators have made it clear that LIBOR shouldn’t be used.
We’ve planned extensively and are well positioned to make this a smooth transition for customers who might be impacted by the change. If you’re impacted, we’ll be working with you to move to an alternative reference rate in advance. We offer a variety of rate alternatives including the Secured Overnight Financing Rate (SOFR) Short-Term Bank Yield Index (BSBY) and American Interbank Offered Rate (Ameribor).
Read more about the transition away from LIBOR or make an appointment to meet with us virtually, on the phone or in person. We also encourage you to seek independent professional advice on any questions or concerns you may have.
You need to apply for an SBA loan with an SBA banking partner, such as U.S. Bank. There is a required set of documents that are required and include the business structure and leadership, legal articles of incorporation, creditworthiness, and purpose of the SBA loan
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Equal Housing Lender
