Get together with one of our branch ambassadors at a Capital One location to explore the right lending products for your business needs. To be eligible, you’ll need to have been in business for at least 2 years and have or open a Capital One business checking account. Loan sizes are a minimum of $10,000 and maximum of $5,000,000. Depending on the product, there may be collateral or deposit amount requirements. There’s a limit of one line of credit per tax or EIN number.

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. Most products require at least two years in business and a Capital One business checking account (Not required to apply for a loan, but one must be opened before loan closing and funding). Loan sizes generally start around $10,000 and top out near $5 million for small-business products; larger structures are available through Capital One’s Commercial Bank.

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