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Commercial Loans — Corporate Connect Business Financing Solutions

Corporate Connect provides access to the full range of US Bank commercial lending products — term loans for capital expenditures, revolving credit facilities for working capital, commercial real estate financing, SBA 7(a) government-backed loans, equipment financing, and bridge loans for transitional funding. Each facility is structured by US Bank's commercial lending team and managed through the Corporate Connect loan management module with real-time balance tracking, payment scheduling, and automated loan sweeps.

US Bank is the fifth-largest commercial bank in the United States, regulated by the OCC and backed by FDIC deposit insurance. Commercial lending decisions are made by experienced credit officers who understand industry-specific capital requirements and structure facilities that align repayment terms with the borrower's cash flow cycle.

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Corporate Connect loan management dashboard showing active facilities, available commitment, payment schedule, and interest accrual

Commercial Lending Products Available — April 2026

  • Term loans: fixed or floating rate, 1-10 year terms, for capital expenditures, acquisitions, and business expansion
  • Revolving credit facilities: draw-and-repay flexibility with interest only on outstanding balance, annual or multi-year commitment
  • Commercial real estate (CRE): acquisition, construction, and permanent financing for office, industrial, retail, and multifamily
  • SBA 7(a) loans: government-backed guarantee up to 85%, maximum $5 million, terms up to 25 years for qualifying businesses
  • Equipment financing: asset-backed loans with the purchased equipment serving as collateral, matched to useful life
  • Bridge loans: short-term 6-24 month facilities for transitional funding between permanent financing events
  • All facilities managed through Corporate Connect with balance tracking, payment scheduling, and loan sweep automation

Term Loans and Revolving Credit Facilities

Term loans and revolving credit are the two foundational commercial lending structures. Term loans fund specific capital needs with a defined repayment schedule, while revolvers provide ongoing access to working capital.

Term Loans

A commercial term loan provides a lump-sum advance that the borrower repays over a fixed schedule — typically monthly or quarterly principal and interest payments over 1 to 10 years. Term loans fund capital expenditures (new facilities, production lines, technology infrastructure), business acquisitions, partner buyouts, and large one-time investments. US Bank structures term loans with either fixed rates that lock the borrower's interest cost for the full term or floating rates tied to SOFR (Secured Overnight Financing Rate) plus a credit spread determined by the borrower's risk profile. Fixed-rate terms provide payment certainty for budgeting. Floating-rate terms start lower and benefit the borrower when rates decline. Corporate Connect displays the outstanding balance, next payment date, accrued interest, remaining term, and amortization schedule. Additional principal payments can be made through the platform to accelerate payoff and reduce total interest cost.

Revolving Credit Facilities

A revolving credit facility establishes a committed credit line — typically $1 million to $100 million — that the borrower draws against as working capital needs arise. Unlike a term loan, a revolver allows the borrower to draw, repay, and redraw repeatedly during the commitment period. Interest accrues only on the outstanding drawn balance, not the full commitment amount. A small unused commitment fee (typically 0.15% to 0.50% annually) applies to the undrawn portion. Corporate Connect shows the total commitment, current outstanding draws, available balance, accrued interest, and fee calculations in real time. Draws are initiated through the platform with dual authorization and fund the designated operating account same-day. Loan sweep configurations apply excess operating balances to the revolver balance nightly, automatically reducing interest expense. The facility commitment period is typically one to five years, renewable upon credit review.

Specialized Commercial Lending Products

Beyond term loans and revolvers, Corporate Connect provides access to specialized lending products for real estate, government-backed small business financing, equipment purchases, and transitional funding.

Corporate Connect commercial real estate loan dashboard showing property details, LTV ratio, draw schedule, and construction progress

Commercial Real Estate Financing

US Bank commercial real estate lending covers acquisition, construction, and permanent financing for office buildings, industrial facilities, retail centers, multifamily properties, and mixed-use developments. CRE loans are structured based on the property's income-producing capacity — debt service coverage ratio (DSCR), loan-to-value ratio (LTV), and tenant quality drive underwriting decisions. Construction loans provide staged draws tied to project milestones with conversion to permanent financing upon completion. Corporate Connect tracks CRE loan balances, draw schedules, interest reserves, and maturity dates. The reporting module generates property-level financial summaries for portfolio management and investor reporting.

Corporate Connect SBA loan management showing guarantee percentage, disbursement schedule, and repayment timeline

SBA 7(a) Loans

SBA 7(a) loans carry a federal government guarantee that enables US Bank to approve financing for small businesses that might not qualify for conventional commercial loans. The SBA guarantees up to 85% of loans of $150,000 or less and 75% of loans above $150,000, with a maximum loan amount of $5 million. Terms extend up to 25 years for real estate and 10 years for working capital and equipment. Interest rates are negotiated between the lender and borrower within SBA maximum limits — typically SOFR plus 3% to 6.5% depending on loan size and term. Eligible uses include working capital, equipment purchase, real estate acquisition, business acquisition, and debt refinancing. Corporate Connect manages SBA loan payments alongside conventional facilities, with the reporting module tracking the guaranteed and unguaranteed portions separately for regulatory compliance.

Commercial Loan Types Comparison

Compare loan structures, terms, and use cases to identify the financing product that matches your capital requirement.

Loan TypeAmount RangeTermRate StructureCollateralBest For
Term Loan$500K–$50M+1–10 yearsFixed or SOFR floatGeneral business assetsCapEx, acquisitions
Revolving Credit$1M–$100M+1–5 year commitmentSOFR + spreadAR, inventory, generalWorking capital
Commercial Real Estate$1M–$100M+5–25 yearsFixed or floatingSubject propertyProperty acquisition/dev
SBA 7(a)Up to $5M10–25 yearsSOFR + 3%–6.5%Business assets + personalSmall business growth
Equipment Financing$100K–$25M3–7 yearsFixed or floatingFinanced equipmentMachinery, vehicles, tech
Bridge Loan$1M–$50M6–24 monthsSOFR + premium spreadVaries by situationTransitional funding

All loans subject to credit approval. Rates, terms, and amounts depend on borrower creditworthiness and market conditions. US Bank is regulated by the OCC. NMLS #401249.

Equipment Financing and Bridge Loans

Asset-backed equipment financing and short-term bridge loans address specific capital needs that do not fit standard term loan or revolving credit structures.

Equipment Financing

Equipment financing through US Bank uses the purchased asset as collateral, which typically allows for higher advance rates and lower credit spreads than unsecured facilities. Loan terms are matched to the useful life of the equipment — 3 years for technology hardware, 5 years for vehicles and light machinery, 7 years for heavy industrial equipment. The borrower takes ownership of the equipment at origination and makes fixed monthly payments over the term. At maturity, the loan is fully repaid and the borrower owns the asset free of lien. Corporate Connect tracks equipment loan balances alongside other facilities, and the reporting module generates asset-level detail for fixed asset accounting and depreciation scheduling. Equipment financing preserves the borrower's revolving credit availability for working capital needs rather than tying up the credit line with long-lived asset purchases.

Bridge Loans

Bridge loans provide short-term financing — typically 6 to 24 months — for transitional situations where permanent funding is expected but not yet in place. Common scenarios include acquiring a commercial property before securing permanent mortgage financing, funding a business acquisition while a capital markets transaction closes, or providing working capital during a restructuring period before new equity or debt is raised. Bridge loans carry higher interest rates than permanent facilities because of their short duration and transitional risk profile. Payments are typically interest-only during the bridge period with a balloon principal payment at maturity when the permanent financing replaces the bridge. Corporate Connect displays bridge loan maturity countdowns alongside other facility details, and automated alerts notify treasury teams as the maturity date approaches to ensure permanent financing is on track.

Loan Management Through Corporate Connect

The loan management module in Corporate Connect centralizes all commercial credit facilities with real-time balance tracking, payment scheduling, draw initiation, and automated loan sweeps.

Payment Scheduling and Draw Management

Corporate Connect automates loan payment processing. Scheduled principal and interest payments debit from the designated operating account on the due date without manual intervention. Additional principal payments — to accelerate payoff or take advantage of excess cash — are initiated through the platform with dual authorization. Revolving credit draws are requested through the loan module, approved through the maker-checker workflow, and funded to the operating account same-day. The payment history log records every scheduled payment, additional payment, draw, and repayment with date, amount, and authorization details. Amortization schedules update dynamically when additional payments are made, showing the revised payoff date and total interest savings.

Loan Sweeps and Interest Optimization

Loan sweep configurations in Corporate Connect automatically apply excess operating account balances to outstanding revolving credit facility draws at end of day. When the operating balance exceeds a preset target, the surplus is swept to reduce the revolver balance — lowering the daily interest charge. When the operating balance drops below the target, the sweep reverses and draws from the revolver to restore the operating account to its target level. This bidirectional sweep minimizes the average outstanding revolver balance over time, reducing total interest expense without requiring treasury teams to manually monitor balances and initiate payments. Sweep activity is reported daily in the treasury management module alongside investment sweep and ZBA concentration data.

Explore Commercial Financing with Corporate Connect

Contact a US Bank commercial lending specialist to discuss the right financing structure for your capital needs — whether it is a term loan, revolving facility, CRE financing, SBA program, or equipment loan. Call +1-800-344-8758 or visit the contact page to schedule a lending consultation.

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Frequently Asked Questions About Commercial Loans

Answers about term loans, revolving credit, SBA programs, equipment financing, and loan management in Corporate Connect.

What types of commercial loans does Corporate Connect offer?

Six products: term loans (fixed/floating, 1-10 years), revolving credit facilities ($1M-$100M+), commercial real estate financing, SBA 7(a) loans (up to $5M with government guarantee), equipment financing (3-7 years, asset-backed), and bridge loans (6-24 months). All are managed through the Corporate Connect loan module.

How does a revolving credit facility work?

A revolver provides a committed credit line you draw against as needed. Interest accrues only on the outstanding drawn balance. Corporate Connect shows available commitment, current draws, and accrued interest in real time. Loan sweeps automatically apply excess cash to reduce the balance nightly. Commitment periods are 1-5 years, renewable upon credit review.

What are the requirements for an SBA 7(a) loan through US Bank?

The business must meet SBA size standards, operate for profit in the US, demonstrate repayment ability from cash flow, and show that conventional credit is not available on reasonable terms. The SBA guarantees 75-85% of the loan. Maximum amount is $5 million with terms up to 25 years for real estate.

Can I manage loan payments through Corporate Connect?

Yes. Scheduled payments debit automatically from your operating account. Additional principal payments are initiated with dual authorization. Loan sweeps apply excess balances to revolving draws nightly. The reporting module generates payment history, interest summaries, and amortization schedules for accounting.

What is bridge financing and when is it used?

Bridge financing is a 6-24 month loan for transitional situations — acquiring property before permanent financing closes, funding an acquisition during a capital markets transaction, or providing working capital during restructuring. Interest-only payments during the bridge period with a balloon at maturity. Corporate Connect tracks maturity countdowns and sends automated alerts.