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Small Business Loans and Lines of Credit Big dreams need big funding.

We’re here with lending options to start making that next big thing real.

Apply for a loan for your Small Business. Apply for a line of credit for your Small Business.

Looking for funding? It's easy.

Match your needs.

We offer personalized options with simple structures.

Apply easily.

Online, over the phone, or at a branch.

Get an answer—fast.

Quick, clear responses from us to you.

Earn rewards for your relationship.

Save up to 0.5% on your interest rate if you have Truist Dynamic Business Checking.1

Find your fit—here.

Explore Lending Options

Truist offers loans secured by additional collateral types, which are not disclosed here but are available through our branch network.

Simple Business Loan

Borrow up to $50,0002 for whatever you need for your business—no collateral required and no financial statements or liquidity verification for eligible requests.3 Business age and type restrictions apply.

Apply now for a Truist Simple Business Loan.
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Up to $50,000

Loan amounts

Up to 60 months

Terms available

No origination fee4

How it works:

  • Apply for a specific loan amount.2
  • Choose the term of your loan.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Make a one-time purchase.
  • Fund a specific project or initiative.
  • Consolidate debt.
  • Expand your business.

Need a bigger loan? We also offer unsecured loans up to $100,000 with additional requirements.2,5 And you can apply for loans secured by additional collateral types through our branch network.

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Small Business Auto Loan

Transportation? All set. Purchase or refinance cars, vans, light trucks, or SUVs

Apply now for a small business auto loan.
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Up to $250,000

Loan amounts

Up to 75 months

Terms available

Up to 100%

financing available, plus 10% for soft costs6

How it works:

  • Apply for a specific loan amount.
  • Choose the length of your loan.
  • The vehicle you’re buying typically serves as collateral.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Upgrade, replace, or expand your equipment.
  • Get potential tax deductions.7

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Small Business Commercial Vehicle and Equipment Loan

Keep everything running smoothly—replace, upgrade, or expand equipment.

Apply now for a Small Business commercial vehicle and equipment loan.
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Up to $250,000

Loan amounts

Up to 84 months

Terms available

Up to 100%

financing available, plus 10% for soft costs6

How it works:

  • Apply for a specific loan amount.  
  • Choose the length of your loan.
  • The equipment you’re buying typically serves as collateral.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Own your business vehicles.
  • Lock in a better interest rate by refinancing.
  • Get potential tax deductions.7

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Small Business Real Estate Loan

Own it—on your terms. Buy or refinance real estate for your business.

Apply now for a Small Business real estate loan.
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Up to $250,000

Loan amounts

Terms up to 15 years

Up to 85%

Loan-to-value

How it works:

  • Apply for a specific loan amount that will fund at closing. (Remember, these loans are for buying or refinancing real estate, not construction.)
  • Choose the length of your loan and repayment schedule.
  • The real estate you’re buying or refinancing serves as collateral.8
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online. 

Best if you want to:

  • Own your business location instead of leasing it.
  • Expand your business.
  • Lower the interest rate on your existing commercial mortgage by refinancing.
  • Fund a specific project, or buy another business and use the equity as your collateral.

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Small Business Line of Credit

Access to money—whenever you need it. Manage seasonal cash flow, expand inventory, or grab hold of a new opportunity.

Apply now for a small business line of credit.
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Up to $100,000

Loan amounts9

12 to 36 months

Terms available10

Low variable rates

How it works:

  • Apply for a specific line of credit amount2
  • Borrow up to your available credit limit.
  • Access funds by transferring money to your checking account or by writing checks.
  • Interest accrues only on the outstanding balance.
  • Use as revolving line of credit and re-borrow over time up to the maximum credit limit.

Best if you want to:

  • Cover seasonal or revolving cash flow.
  • Access working capital where and when you need it.
  • Access a larger line of credit if secured by collateral.

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Loan

Simple Business Loan

Borrow up to $50,0002 for whatever you need for your business—no collateral required and no financial statements or liquidity verification for eligible requests.3 Business age and type restrictions apply.

Apply now for a Truist Simple Business Loan.
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Up to $50,000

Loan amounts

Up to 60 months

Terms available

No origination fee4

How it works:

  • Apply for a specific loan amount.2
  • Choose the term of your loan.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Make a one-time purchase.
  • Fund a specific project or initiative.
  • Consolidate debt.
  • Expand your business.

Need a bigger loan? We also offer unsecured loans up to $100,000 with additional requirements.2,5 And you can apply for loans secured by additional collateral types through our branch network.

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Auto

Small Business Auto Loan

Transportation? All set. Purchase or refinance cars, vans, light trucks, or SUVs

Apply now for a small business auto loan.
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Up to $250,000

Loan amounts

Up to 75 months

Terms available

Up to 100%

financing available, plus 10% for soft costs6

How it works:

  • Apply for a specific loan amount.
  • Choose the length of your loan.
  • The vehicle you’re buying typically serves as collateral.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Upgrade, replace, or expand your equipment.
  • Get potential tax deductions.7

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Commercial vehicle & equipment

Small Business Commercial Vehicle and Equipment Loan

Keep everything running smoothly—replace, upgrade, or expand equipment.

Apply now for a Small Business commercial vehicle and equipment loan.
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Up to $250,000

Loan amounts

Up to 84 months

Terms available

Up to 100%

financing available, plus 10% for soft costs6

How it works:

  • Apply for a specific loan amount.  
  • Choose the length of your loan.
  • The equipment you’re buying typically serves as collateral.
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online.

Best if you want to:

  • Own your business vehicles.
  • Lock in a better interest rate by refinancing.
  • Get potential tax deductions.7

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Real estate

Small Business Real Estate Loan

Own it—on your terms. Buy or refinance real estate for your business.

Apply now for a Small Business real estate loan.
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Up to $250,000

Loan amounts

Terms up to 15 years

Up to 85%

Loan-to-value

How it works:

  • Apply for a specific loan amount that will fund at closing. (Remember, these loans are for buying or refinancing real estate, not construction.)
  • Choose the length of your loan and repayment schedule.
  • The real estate you’re buying or refinancing serves as collateral.8
  • Make scheduled monthly payments of principal and interest.
  • Track your balance online. 

Best if you want to:

  • Own your business location instead of leasing it.
  • Expand your business.
  • Lower the interest rate on your existing commercial mortgage by refinancing.
  • Fund a specific project, or buy another business and use the equity as your collateral.

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Line of credit

Small Business Line of Credit

Access to money—whenever you need it. Manage seasonal cash flow, expand inventory, or grab hold of a new opportunity.

Apply now for a small business line of credit.
Component ID : "accordionGridLayout-356508352"
Model : "stack"
Position : "left"

Up to $100,000

Loan amounts9

12 to 36 months

Terms available10

Low variable rates

How it works:

  • Apply for a specific line of credit amount2
  • Borrow up to your available credit limit.
  • Access funds by transferring money to your checking account or by writing checks.
  • Interest accrues only on the outstanding balance.
  • Use as revolving line of credit and re-borrow over time up to the maximum credit limit.

Best if you want to:

  • Cover seasonal or revolving cash flow.
  • Access working capital where and when you need it.
  • Access a larger line of credit if secured by collateral.

Questions about a small business loan?

Give us a call at 877-279-3083 or schedule an appointment to meet with a Small Business Specialist virtually.

Seize your spending opportunities.

Small business credit cards

Extra buying power. More financial freedom. Major rewards potential. Credit cards for what your business needs today -- and wherever you want to take it tomorrow.

Learn more about small business credit cards.

Resources

Expand your knowledge with resources for better business strategies. Stay up-to-date with trending topics, news, and research.

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    View more business banking resources

    Prefer to apply in person?
    Need help finding the right product?

    Our dedicated small business team is here for you.

    Find a branch

    A few more options to find your way

    Looking for commercial lending?

    • Do you have borrowing needs that exceed $250,000?
    • Are your annual revenues over $2,000,000?
    • Do you have a multifamily investment property or construction needs? 
    Learn more about commercial lending.
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    1 A loan applicant may be eligible for an interest rate discount of 0.25% or 0.50% on Small Business loans and Small Business lines of credit. The interest rate discount is based on the Dynamic Business Checking – Deposit Balance Tier Benefits in effect on the loan application date. If you are in the Core Rewards Tier Benefit on the loan application date, you are not eligible for an interest rate discount. Loan applicants in the Plus Rewards Tier, on the loan application date, are eligible for a 0.25% interest rate discount and loan applicants in the Preferred Rewards Tier, on the loan application date, are eligible for a 0.50% interest rate discount. Small Business loan applicants and co-applicants are not allowed to combine interest rate discounts. One Dynamic Business Checking interest rate discount is permitted per loan. The interest rate discount shall be applied to the interest rate disclosed to loan applicant at the time of loan approval. The interest rate discount is nontransferable and is only available for loans and lines of credit originating through Retail & Small Business Banking, branch, phone, and online bank channels. Small Business Lending interest rate discounts are not available to business cards, commercial or corporate loans. Any additional promotional offers and terms will be disclosed to the loan applicant at the time of such offering.

    2 Unsecured loan amount, not to exceed two (2) months gross revenue or one (1) month gross revenue for non-profits. Start-up businesses, with less than 2-years in existence, up to $25,000, not to exceed (1) month gross revenue. For unsecured small business loan requests over $50,000, we’ll need to verify your business assets.

    3 Eligible requests for no financial statements or liquidity verification subject to credit history review and bank underwriting standards. Start-ups, businesses in existence less than 2-years, and non-profits require financial statement review prior to approval.

    4 No origination fee, but other fees and closing costs may apply.

    5 Unsecured loan requests over $50,000 are subject to the standard origination fee, which is the greater of 0.50% of the loan amount or $100, payable at loan closing. Origination fees are not charged in all states.

    6 Eligible soft costs may include, but are not limited to, equipment add-on(s), delivery fees, taxes, and tag & license costs/fees. Extended warranties, maintenance contracts, or GAP insurance are not eligible soft costs. Also, a request to finance soft costs applies only when borrower is financing passenger vehicles, commercial vehicles, construction equipment or agriculture equipment. Request by borrower to finance any other type of equipment is not eligible for soft cost financing. Also note, Bank may, at any time and at its sole discretion, determine if soft costs, not listed above, may be eligible for financing.

    7 Truist and its representatives do not offer tax or legal advice. Please consult your tax advisor and/or attorney regarding your individual circumstances.

    8 Small Business Real Estate Loan may be secured by commercial or 1-4 family residential real estate, as long as loan is for business purposes only. Multifamily (5+) residential investment property or loans to purchase a primary or secondary residence are not permitted.

    9 Loan amounts may be available up to $250,000 with appropriate collateral.  

    10 Terms may go up to 60 months with appropriate collateral.

    Loans and lines of credit are subject to credit approval. Standard underwriting guidelines and credit policies apply.

    Disclosures

    Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

    Equal Housing Lender

    Investment and Insurance Products:

    • Are Not FDIC or any other Government Agency Insured
    • Are Not Bank Guaranteed
    • May Lose Value

    Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

    Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

    Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

    "Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

    Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

    Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

    • Multilingual teammates available at our Multicultural Banking Centers
    • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
    • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

    New York City residents:

    Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

    • Limited English Proficiency Support
    • New York City residents

    Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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