Business Banking

Small Business Loans and Lines of Credit

Qualifying Capital One business customers can take advantage of special business financing, including business loans and lines of credit.

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Lending Products

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Real Estate Term Loans

Build equity with real estate term loans

Loans up to $5 million for purchasing, refinancing or improving property, with fixed payments and term lengths up to 20 years.

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BUSINESS LINES OF CREDIT

Improve cash flow for your daily operations

Bridge the gap between your goals and the cash flow required to achieve them. Line amounts up to $5 million.

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SBA Loans

More options than your traditional loans

If you’re looking for long terms, fixed rates and lower equity requirements, look to SBA 504, SBA7(a), and SBA Express Lines and Loans.

Find the right financing for your business

Ask a banker about our partnership rates for businesses who already have a business deposit relationship with Capital One.

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RESOURCES FOR YOUR BUSINESS

Find a branch

Meet with an associate to discuss business banking at a Capital One location near you.

Open a new account?

See what you need to open your new Capital One business account online or in person.

Looking for Intellix?

Sign in to Intellix to get online access to important cash flow functions.

Frequently Asked Questions

The first step is to fill out this form to check your eligibility to work with a dedicated business banker. If we’re not able to support you with a dedicated business banker at this time, you can explore additional credit options available through our business card offerings.

All loan applications are subject to credit approval, and normal credit standards apply. Some applications may require further consideration, and additional information may be requested.

Fees vary depending on product and loan size. Additional fees applicable based on collateral and deal structure.

All interest rates are subject to approval and will depend on credit profile of the applicant/business, prevailing interest rates and product. Terms will be disclosed prior to booking.

Capital One’s Small Business Bank and Commercial teams provide a full menu of loans and credit lines for a range of needs:

  • Lines of credit – revolving working-capital funding you can draw, repay and reuse as cash-flow needs change
  • Real-estate term loans – fixed- or variable-rate financing to buy, refinance or renovate owner-occupied or investment property, with terms that can extend to about 20 years
  • SBA-backed loans & lines (7(a), 504 and SBA Express) – government-guaranteed options that broaden credit eligibility and lower equity or collateral requirements, making them ideal when traditional bank terms are hard to obtain
  • CIRA (Common Interest Realty Association) loans – specialized funding for condominium and homeowners’ associations to cover major capital projects; financing can reach up to 100 % of project cost and typically converts from a draw period to a multi-year term loan
  • Equipment loans / equipment financing – financing or leasing tailored to the useful life of machinery, vehicles, POS systems and other hard assets
  • Medical practice financing – capital to start, buy, expand or modernize physician, dental and other healthcare practices, including partner buy-ins and technology upgrades

*All financing is subject to credit approval and requires support from a dedicated business banker.


To explore the option that best fits your needs, complete the online business-lending inquiry form to see if you're a good match to work with a dedicated business banker.