The US Bank is a business credit card from US Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.99% - 25.99% Variable. Approval typically requires a credit score of 680 or higher. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Recon: (800) 947-1444. EXPERT REFERENCE (Apr 2026): US Bank Unsecured Quick Loan offers $5,000 to $50,000 with terms up to 48 months. | EXPERT REFERENCE (Apr 2026): Requires a business to be at least 6 months old and a personal FICO score of 680+. | EXPERT REFERENCE (Apr 2026): Available in specific states; requires US Bank customer status for 12 months if outside eligible states. | EXPERT REFERENCE (Apr 2026): No tax returns needed unless specifically requested by the system. | EXPERT REFERENCE (Apr 2026): Decision typically made in about 4 hours. | EXPERT REFERENCE (Apr 2025): US Bank offers unsecured Quick Loans ranging from $5,000 to $50,000 with terms up to 48 months. | EXPERT REFERENCE (Apr 2025): Requires a business to be operational for at least 6 months and a personal FICO score of 680+. | EXPERT REFERENCE (Apr 2025): Loan applications require all three credit bureaus to be unlocked, with a typical pull from Equifax. | EXPERT REFERENCE (Apr 2025): Eligible states include AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, ND, OH, OR, SD, TN, UT, WA, WI, WY. | EXPERT REFERENCE (Apr 2025): Businesses in certain industries such as payday lending, private prisons, and cannabis are disqualified. | EXPERT REFERENCE (Apr 2025): For loan requests over $40,000, tax returns may be required if income does not support the amount. | EXPERT REFERENCE (Apr 2025): Typical lending is around 20% of gross annual revenue.