Cash Flow Manager credit line details

The U.S. Bank Cash Flow Manager is a dynamic and flexible financing option with a revolving line of credit. Secure working capital to navigate seasonal purchases, maintain inventory levels and address short term cash needs.

Features

Variable interest rates as low as Prime + 2.49%1 with autopay2

Credit lines up to $250,000

Competitive rates with the option to lock in a fixed rate on existing balances

Best for companies in operation for two years or more

Easily accessible with a Visa Platinum Card, convenience checks, online banking, Business Service Center or at a branch 

Easily manage your loan through online banking

Fees

$0 annual fee on lines greater than $50,000

$150 annual fee for lines $50,000 or less

Get started with our easy online application.

We'll guide you through a few sections, and you can save your application any time then return to is later. If you’re a U.S. Bank customer enrolled in online banking, we’ll prefill some information for you. Have your business and personal information ready, including Tax ID number and gross annual sales information, and let’s get started.

For secured general purpose applications, U.S. Bank will file a Uniform Commercial Code (UCC) lien and must be in first lien position using all business assets as collateral.

Which credit line is right for you?

Secured business line of credit

A secured line uses your business assets as collateral and offers line amounts up to $250,000 and lower interest rates.

Apply now

Unsecured business line of credit

An unsecured line does not use collateral and offers line amounts up to $100,000 and higher interest rates.

Apply now

Business Diversity Lending Program

Help your business thrive.

U.S. Bank is committed to helping close historical lending gaps among diverse owned businesses, women and veterans. Our Business Diversity Lending Program includes U.S. Bank’s traditional business loans and lines of credit, but with credit guidelines that open the door to include a wider audience of business owners.

Learn more

Prefer to talk to a banker?

Make an appointment
Request a call
Call 833-614-2270
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Disclosures

  1. For credit qualified applicants, the advertised interest rate for a U.S. Bank Cash Flow Manager, will be between Prime + 2.49% and Prime + 6.49%. The interest rate is determined at the time of application and will not change. The Cash Flow Manager Line of Credit has a minimum interest rate of 6.00%. Prime refers to U.S. Bank’s announced Prime Rate. The Annual Percentage Rate (APR) will vary with Prime Rate (the index) as published in the Wall Street Journal, which is subject to change at any time.  Automatic monthly payments must be set-up from a U.S. Bank checking or savings account to receive the advertised rate discount of .50%. Higher rates may apply if there is no automatic payment from a U.S. Bank checking or savings account. If automatic payments are later canceled, the rate discount no longer applies, and the interest rate will increase by .50%. The advertised rate applies to line amounts $50,000 and less. A $150 annual fee applies to lines of $50,000 or less. Lower rates may apply for larger line sizes and certain types of existing U.S. Bank relationships. Some restrictions apply, including but not limited to industry type, and/or existing U.S. Bank relationship. Advertised rate is as of 04/24/24 and subject to change without notice based on market conditions. Advertised rate offer expires 07/02/24.

  2. Automatic payments are not required for loan approval, but automatic payments from a U.S. Bank checking or savings account are required to receive the advertised rate specified above. Rates may vary based on, but not limited to, credit qualifications, term selected, approved amount, existing relationship, and/or collateral condition and loan to value.

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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.