Business Financing

Lines of Credit

Need capital at the ready? A USB line of credit lets you write yourself a loan when you need it, helping answer cash flow concerns or jump on a new business opportunity at any time.

The right financing option can ensure that you’re ready for growth on your terms. A term loan or line of credit from USB can put you in a position to do just that. From purchasing equipment or vehicles and consolidating debt, to having capital readily available, a USB Commercial Lender is ready to work with you.

Business lines of credit often have more flexible repayment terms than a standard business loan. Business loan payments are typically fixed over the repayment period, while business lines of credit can offer interest-only payment terms, or outstanding balances can be repaid using a variety of repayment strategies.

Small Business Line of Credit

A small business line of credit is ideal for businesses that need quick and easy access to cash over short periods of time to help purchase inventory or manage seasonal cash flow fluctuations.

Benefits include:

  • Access to working capital and cash when you need it
  • Competitive variable rate
  • Can be used for overdraft protection

Commercial Line of Credit

A commercial line of credit is a cost‐effective approach if your business needs on‐going credit to fund seasonal working capital and accounts receivables, or to manage inventory. With a commercial line of credit, your business can handle unexpected cash needs and take advantage of vendor discounts by having access to cash when you need it. This allows your business to borrow, repay, and borrow again up to the original amount committed by USB, throughout the life of the loan.

Benefits include:

  • Flexible revolving credit lines, with annual renewals, secured by general business assets
  • Quick, easy access to funds, advances are simple and convenient
  • Provides automatic overdraft protection on your business account
  • Competitive variable rates of interest
  • Pay no interest until you draw funds
  • Delivers instant financing when you need it

Term Loans

We offer a variety of term loans to help your business purchase capital goods and equipment, fund a change in ownership, complete a special project, consolidate debt, or perhaps purchase a specialized vehicle. Our expert commercial lenders will structure the loan by working with you to evaluate your existing debt obligations and assessing your historical and projected cash flow.

Benefits include:           

  • Acquire machinery, equipment, or other assets with fixed monthly payments
  • Increase your working capital to help you grow your business
  • Strengthen your competitive position by obtaining the equipment and assets you need to operate more efficiently

SBA Loans

If you don’t qualify for traditional bank financing, a Small Business Administration (SBA) loan might be right for you. SBA loans can be used to start or acquire a business, purchase equipment, and refinance or acquire inventory or working capital. We will partner with you to understand your business and your short and long‐term goals to determine if an SBA loan is right for you. We provide financing for Standard SBA 7(a), SBA Express, and SBA 504 Programs.

SBA 7(a) loans for up to $5 million can be used by eligible for-profit businesses for commercial real estate, construction or renovation, purchase of machinery or equipment, purchase of furniture or fixtures, working capital, inventory, a line of credit, refinancing existing debt, and purchasing eligible businesses.

SBA 504 loans must be used for fixed asset projects such as purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping, and construction of new facilities.

Benefits include:

  • Long-term financing
  • Improved cash flow
  • Lower down payments
  • Competitive interest rate
  • Flexible terms and conditions

Non-Profit

For every type of lending we offer, we can offer the same to your Non- Profit Organization.  If you are looking for real estate, equipment, refinance or a line of credit, you have come to the right place.

Benefits include:

  • 0.25% rate discount
  • No prepayment penalty
  • No application fee

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