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Loans

Loans

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 a Small Business Loan Apply for a line of credit for a Small Business Line of Credit

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 

 

 

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

Find your fit—here.

Explore Lending Options

Small Business Loan

Borrow one lump sum for what you need. From inventory and unexpected expenses to debt consolidation—no collateral required.

Apply now for a small business loan.
Component ID : "accordionGridLayout-316398070"
Model : "stack"
Position : "left"

Up to $100,000

Loan amounts

Up to 60 months

Terms available

Low fixed rates

How it works:

  • Apply for a specific loan amount.2
  • We offer loans secured by additional collateral types through our branch network.
  • Choose the length 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.
  • Lock in a better interest rate by refinancing.

Small Business Auto Loan

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

Apply now for a small business auto loan.
Component ID : "accordionGridLayout-975000376"
Model : "stack"
Position : "left"

Up to $250,000

Loan amounts

Up to 75 months

Terms available

Up to 100%

financing available, plus 10% for soft costs3

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.4

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.
Component ID : "accordionGridLayout-151416960"
Model : "stack"
Position : "left"

Up to $250,000

Loan amounts

Up to 84 months

Terms available

Up to 100%

financing available, plus 10% for soft costs3

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.4

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.
Component ID : "accordionGridLayout-1014045165"
Model : "stack"
Position : "left"

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.5
  • 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.

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 amounts6

12 to 36 months

Terms available7

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.

Loan

Small Business Loan

Borrow one lump sum for what you need. From inventory and unexpected expenses to debt consolidation—no collateral required.

Apply now for a small business loan.
Component ID : "accordionGridLayout-316398070"
Model : "stack"
Position : "left"

Up to $100,000

Loan amounts

Up to 60 months

Terms available

Low fixed rates

How it works:

  • Apply for a specific loan amount.2
  • We offer loans secured by additional collateral types through our branch network.
  • Choose the length 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.
  • Lock in a better interest rate by refinancing.

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.
Component ID : "accordionGridLayout-975000376"
Model : "stack"
Position : "left"

Up to $250,000

Loan amounts

Up to 75 months

Terms available

Up to 100%

financing available, plus 10% for soft costs3

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.4

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.
Component ID : "accordionGridLayout-151416960"
Model : "stack"
Position : "left"

Up to $250,000

Loan amounts

Up to 84 months

Terms available

Up to 100%

financing available, plus 10% for soft costs3

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.4

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.
Component ID : "accordionGridLayout-1014045165"
Model : "stack"
Position : "left"

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.5
  • 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.

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 amounts6

12 to 36 months

Terms available7

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.

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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    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.