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Working Capital Loan

Ideal for filling cash flow gaps, managing expenses, or expanding operations.

A working capital loan from US Bank Fund is a short-term financing solution that provides a lump sum of cash upfront—from $10,000 to $5 million—that can be used for a variety of business purposes. This type of loan provides the necessary funds to fill cash flow gaps, invest in inventory and supplies, pay bills and salaries, cover marketing costs, and meet other financial obligations without having to dip into your business’s savings.

One key advantage of our working capital loans is that they are unsecured. This means you do not need to pledge collateral, like business equipment or inventory, to qualify. Instead, approval is based on factors such as your credit profile, annual revenue, and the length of time your business has been operating.

Working capital loans from $10,000 to $5 million

No collateral required

Competitive rates

6 to 60-month term options

Same-day funding for specific loan amounts

No prepayment penalties

Minimum six months in business

Three months of business bank statements

500 or higher credit score

$200,000 or more in annual revenue

Business Line of Credit

Ideal for frequent cash access or for having funds available for expenses.

If you frequently need cash to support your business operations, consider a business line of credit from US Bank Fund. This financial solution is available in amounts ranging from $10,000 to $250,000 and provides you with the flexibility to draw funds as needed, up to your approved credit limit. This instant access to cash can be beneficial for covering unexpected expenses, stocking up on inventory, or seizing growth opportunities without the delays associated with traditional loan applications.

With a business line of credit, you will only incur charges for the actual amount you draw, along with applicable interest. Plus, as you make payments towards your outstanding balance, your credit line is replenished, allowing you to access funds in the future.

Business credit lines from $10,000 to $250,000

Competitive rates

Only pay for what you use, plus interest

Your credit line replenishes when you make payments

No prepayment penalties

Minimum one year in business

Three months of business bank statements

630 or higher credit score

$400k or more in annual revenue

Business Financing in 3 Easy Steps

1

Apply Online

US Fund Bank prioritizes your convenience with a simplified application that takes only a few minutes to complete.

2

Get a Credit Decision

Your application will be reviewed by US Fund Bank, and you can expect a credit decision within one hour.

3

Receive Funding

If your application is approved, US Fund Bank can provide funding quickly, possibly on the same day you apply.