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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.Disclosure 1

Apply for a loan to get started with a Small Business loan.
Apply for a line of credit to get started with a Small Business line of credit.

How it works

As a small business owner, you do a lot of hard work. So we make loans easy. Here’s how it works:

Select the lending product you need.

We have personalized lending options to match your needs.

Apply for the loan amount and select the term you’re looking for.

You’ll have plenty of options to choose from on our simple application.

Get an answer—fast.

You’ll get quick, clear responses from our dedicated bankers so you can get back to business.

Here’s how to get a 0.25% interest rate discount.Disclosure 2

  • Apply for a loan or line of credit.
  • Sign up for auto-draft payments before loan closing.

Want an additional interest rate discount of up to 0.50%?

Certain Truist Dynamic Business Checking clients are eligible for an additional interest rate discount of up to 0.50%.Disclosure 3

Get Truist Dynamic Checking

Contact us

Apply online

Our simple application gets you back to business fast.

Apply for a loan to get started with a Truist small business loan.
Make an appointment

Schedule an in-person or virtual appointment.

Schedule an appointment to apply in-person or virtually for a Truist small business loan.
Call us

Give us a call at 855-917-5348.

Looking for other funding options?

Need auto, equipment, or real estate loans? Want the flexibility of a line of credit? You’ve got options with us.

See all loans

Earn $400Disclosure 4 with a new Truist business checking account.

Small Business Checking

Whether you want a streamlined solution or a bunch of benefits, we have a business checking account that can fit—and grow with—your business. And right now, new Dynamic Business Checking or Simple Business Checking clients can earn $400Disclosure 4 when opening a new account and completing the required steps. Terms apply.

Learn more about our small business checking offer.
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Disclosure 1 Loans and lines of credit are subject to business type and credit approval. Standard underwriting guidelines and credit policies apply. Small Business Lending Rates are only available to loans originating through the Retail Community Bank channel. Origination and other fees may apply. Other loan amounts, rates, and term options may be available upon request. Other restrictions may apply. All rate quotes are only valid for 10 days, and closings must occur within 60 days of loan approval date. Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Small Business Lending promotional interest rates and discounts do not apply to business or commercial credit cards, commercial loans, or corporate loans.

Disclosure 2 A loan applicant may be eligible for an interest rate discount of 0.25% when signing up for auto-draft payment by loan closing. The interest rate discount shall be applied to the interest rate disclosed to loan applicant at the time of loan approval. If loan applicant does not sign up for auto-draft payments by loan closing, loan applicant is not eligible for an interest rate discount of 0.25%.

Disclosure 3 A loan applicant may be eligible for an interest rate discount of 0.25% to 0.50% on Small Business Lending loans and 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.

Truist Teammate Instructions:
Enrollment in the promotion is required at the time of account opening and must be completed in the Promotions Center from 4/2/2024 through 6/27/2024 using Promo Code SB24Q2CHECKING.

Disclosure 4 Terms and Conditions for the Truist Q2 2024 Small Business Checking Offer: SB24Q2CHECKING

Offer Information:

Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from 4/2/2024 through 6/27/2024 and earn $400 by making Qualifying Deposits* of $1,500 or more into your new account within 30 days of account opening.

Enrollment in the promotion is required at the time of account opening using promo code SB24Q2CHECKING to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.

*Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.

Offer Eligibility:

You must be a new Truist business checking client. To be considered a new business checking client, the business cannot have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date (i.e., on or after 10/5/2023), with the same Taxpayer Identification Number (TIN), including but not limited to an Employer Identification Number (EIN). The business account holder must be 18 years or older at time of account opening. The account holder cannot be a non-resident alien. The business account holder must have a valid U.S. TIN. The business’s physical address must be located in one of the following states: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC. The qualifying account must be opened in a Truist branch in one of the above-listed states or online.

Reward Processing:

The reward will be deposited to the new business checking account within 4 weeks after the qualification requirements have been met and verified. The new business checking account must be open and in good standing with a balance of at least $0.01 at the time of Truist verification and until the reward is deposited in order to receive the reward. Only one newly opened business checking account per client is eligible to participate in this offer. Truist may report the value of any reward received to the IRS, as required by law. Any applicable taxes are the responsibility of the recipient.

Reward Forfeiture:

Reward forfeiture will occur if: (1) the business checking account is changed to an account type not included in this offer, (2) the business checking account is closed prior to the reward being deposited, or (3) the new business checking account has a $0.00 or negative available balance at the time of qualification validation.

Other Terms:

Minimum opening deposit is $100. A monthly maintenance fee is applicable for Truist Dynamic Business accounts whose combined average relationship ledger balance is less than $5,000; the monthly maintenance fee is waived for accounts with a combined average relationship ledger balance of $5,000 or more. See Truist's Business Deposit Accounts Fee Schedule for additional information.

The offer is non-transferable and may not be combined with any other offers. This offer is subject to change and may be discontinued at any time. All promotional payouts will be processed no later than 12/31/2024, at which point this promotion and any related disbursements will be considered final, and no further disbursements will be made.

Online Account Opening & Promotion Enrollment Instructions:

During the online application process, ensure the promo code SB24Q2CHECKING is entered into the Promo Code field and accept the offer when presented.  Accounts opened online without the Promo Code will not be eligible to participate in the offer.

Branch Account Opening & Promotion Enrollment Instructions:

Visit your local Truist branch and ask the Truist representative to open an eligible account and enroll you in the 2024 Truist Q2 Small Business Checking Offer using promo code SB24Q2CHECKING.

Version 2 02072024 SB24Q2CHECKING

Disclosures

Truist Bank, Member FDIC. © 2024 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/or 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, Inc.

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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