Key facts
| Product | Small-business loans & lines |
| Funding type | Traditional bank loans & lines |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 4 weeks |
| Typical size | Varies |
| Term | 12–84 months |
| Requirements | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable |
| Regions | US |
| What they underwrite | Your profits, history & collateral |
| Collateral | Business assets + personal guarantee |
| How you repay | Fixed monthly or revolving |
| Dilution | None |
The estimated rate for U.S. Bank, as of today, is shown to approved members. Sign in to see it.
U.S. Bank pros and cons
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Pricing isn't public
- Requires a personal guarantee
- US only
Established, profitable businesses with a few years of financials that want cheap, flexible credit.
Usually needs 2+ years in business, profits, collateral, and a personal guarantee. Few startups qualify early.
U.S. Bank alternatives
Other traditional bank loans & lines providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Wells Fargo Small-business lines & term loans |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
| Chase Business lines of credit & term loans |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
| Bank of America Small-business credit lines & loans |
Rates shown to approved members | About 4 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
| Credit unions & community banks Local business loans & lines |
Rates shown to approved members | About 6 weeks | Existing revenue · Personal guarantee · Usually 2+ years in business and profitable | Compare → |
Compare U.S. Bank
U.S. Bank FAQ
How much does U.S. Bank cost?
The estimated rate for U.S. Bank, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and U.S. Bank's underwriting.
How fast does U.S. Bank fund?
About 4 weeks from application to cash, based on typical timelines.
What are U.S. Bank's requirements?
Existing revenue, personal guarantee, usually 2+ years in business and profitable. Available in US.
Does U.S. Bank require a personal guarantee?
Yes. U.S. Bank asks for a personal guarantee.
What are the best alternatives to U.S. Bank?
Other traditional bank loans & lines providers include Wells Fargo (about 4 weeks); Chase (about 4 weeks); Bank of America (about 4 weeks). Compare all 5 side by side on B2B Agent.
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Is U.S. Bank your best option?
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Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.