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Small Business loans Build up your business by consolidating your debt.

When you consolidate your debt into a Truist small business loan, you can get a competitive interest rate and just one monthly payment to keep track of—so you can save time for the important stuff.1

Apply now for a Truist small business loan

How it works

Ready to move on your plans? We want to help you get there—so we’ve made the loan process easy.

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.

With our simple application, you can borrow up to $100,0002 with terms up to 60 months.3

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.4

  • 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%.5

Learn more about Truist Dynamic Checking.

Contact us

Apply online

Our simple application gets you back to business fast.

Apply now for a Truist Dynamic Checking account.
Make an appointment

Schedule an in-person or virtual appointment.

Schedule an appointment

Call us

Give us a call at 844-764-1046.

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
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1 We recommend that you carefully review and consider whether consolidating your debt is beneficial for your business. The information above provides the benefits of consolidating your debt; however, lower interest rates, one single loan payment, and longer loan terms may result in paying more interest over the life of the loan and may not reduce or pay off your debt any sooner. You should evaluate your specific credit needs and circumstances to determine the benefits of consolidating your debt at this time. Also, you’re encouraged to consult with competent financial, accounting, tax, or legal professionals in making these decisions.

2 For unsecured small business loan requests over $50,000, we’ll need to verify your business assets. Also, there may be additional underwriting requirements for unsecured loans in excess of $50,000.

3  For example, a $50,000 business loan financed for 60 months at 7.94% will result in 60 monthly payments of $1,012.38. Other terms and collateral options may be available. All loans subject to credit approval. Standard underwriting guidelines and credit policies apply. Interest rate, payment terms, and conditions will be determined at time of underwriting and disclosed at time of loan approval.

4  A loan applicant may be eligible for an interest rate discount of 0.25% when signing up for auto-draft payment before loan closing. The interest rate discount shall be applied to the interest rate disclosed to loan applicant at the time of loan approval. Clients who choose not to pay with auto-draft will receive the standard rate.

5 A loan applicant may be eligible for an interest rate discount of 0.25% to 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. Clients in the Core Rewards tier get the standard lending rate. Clients in the Plus Rewards tier are eligible for a 0.25% interest rate discount and clients in the Plus Rewards tier 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.

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

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist 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.

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.

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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