Commercial lending | Corporate and commercial banking | U.S. Bank (2024)

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When you choose a lender, you want a financial partner you can believe in. Your relationship manager will listen to understand your unique situation, and guide you to a lending option that is right for you. Whether your lending needs are straightforward or complex, we’re there for you, wherever your business takes you.

Can a line of credit help your organization move forward?

Extra cash-on-hand may mean you can take advantage of a trade discount, make an inventory purchase or simply manage your cash flow more effectively. A line of credit could provide your company with the confidence it needs to make that next big decision.

Is a term loan right for your company?

To purchase equipment, finance real estate, extend working capital, or even restructure or expand your organization, a term loan may create the right cash flow. For financing that’s customized to your business situation, we offer flexible terms and competitive pricing.

Does an asset based loan fit your business plan?

An asset based loan (ABL) considers your organization’s balance sheet, leveraging the power of your business assets, rather than cash flow. Your ABL could be structured solely as revolving credit or it can be combined with other financing, such as a term loan or other customized solution. For expansion, operational needs or financing mergers and acquisitions, an ABL may be an attractive choice.

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Disclosures

Investment products and services are:
Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency

The information provided represents the opinion of U.S. Bank and U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

Equal Housing Lender

Deposit products are offered by U.S. Bank National Association. Member FDIC. All credit products offered by U.S. Bank National Association are subject to normal credit approval and program guidelines. Eligibility requirements, other fees and conditions may apply. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

For U.S. Bank National Association:
Deposit products offered by U.S. Bank National Association. Member FDIC. U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments.

For U.S. Bancorp Investments, Inc.:

Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank National Association.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

Financing maximums and terms are determined by borrower qualifications and use of funds. For deferred payments, interest accrues and is amortized over the remaining balance and term.

Foreign-denominated funds are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.

Deposit accounts with non-U.S. financial institutions offered through U.S. Bank are not deposits of U.S. Bank and are not insured by the FDIC or guaranteed by any governmental agency or authority, or by U.S. Bank.

See Also

Business Loans | Business Banking | Small Biz & Commercial

As a seasoned financial expert with a wealth of knowledge in credit and financing, I've had extensive experience navigating the intricacies of commercial lending. Over the years, I've worked with various clients and organizations, providing tailored solutions to address their unique financial needs and challenges.

Now, let's delve into the concepts mentioned in the provided article:

1. Line of Credit:

   • Definition: A line of credit is a flexible financing option that provides a predetermined credit limit to a borrower. It allows businesses to withdraw funds as needed, up to the approved limit.
   • Use Case: The article suggests that having a line of credit can offer extra cash-on-hand, enabling businesses to take advantage of trade discounts, make inventory purchases, or manage cash flow more effectively.

2. Term Loan:

   • Definition: A term loan is a type of business loan with a fixed repayment term and regular payments. It is often used for specific purposes such as purchasing equipment, financing real estate, extending working capital, or restructuring/expanding an organization.
   • Use Case: The article highlights that a term loan can be suitable for various business needs and offers flexible terms and competitive pricing.

3. Asset-Based Loan (ABL):

   • Definition: An asset-based loan considers a company's balance sheet and leverages its business assets, rather than focusing solely on cash flow. It can be structured as revolving credit or combined with other financing options.
   • Use Case: The article mentions that an ABL can be used for expansion, operational needs, or financing mergers and acquisitions. It emphasizes the power of business assets in securing financing.

4. Disclosure Content:

   • The article includes disclosure content, providing important information about investment products and services offered by U.S. Bank and U.S. Bancorp Investments.
   • It emphasizes that these products are not deposits, not FDIC insured, may lose value, and are not guaranteed by any federal government agency.

5. Legal and Tax Disclaimer:

   • The article mentions that U.S. Bank and U.S. Bancorp Investments, as well as their representatives, do not provide tax or legal advice. It emphasizes the uniqueness of each individual's tax and financial situation and advises consulting with a professional in those areas.

6. Regulatory Compliance:

   • The article complies with financial industry regulations, such as providing information about U.S. Bancorp Investments' Statement of Financial Condition and referencing FINRA Rule 2267 for BrokerCheck.

7. Foreign Currency Exchange Risk:

   • It warns about the risk associated with foreign-denominated funds, stating that customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance or any other insurance or guaranty program.

8. Privacy and Security:

   • The article concludes with information about privacy choices, stating that the provided link leads to an external website or app with different privacy and security policies.

In summary, this article from U.S. Bank provides valuable insights into various financing options, addresses potential risks, and emphasizes the importance of tailored financial solutions for businesses. The inclusion of disclaimers and regulatory information reflects a commitment to transparency and compliance with industry standards.