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Business Loans

Your business needs more than a great plan to achieve its potential. That’s where Flagstar comes in.

You have the vision and drive. We have the solutions to match.

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One-size-fits-you lending

Every business takes a different path to success. Flagstar builds your loan with your company’s goals in mind.

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Business is personal(ized)

Your dedicated Flagstar team member will work closely to find the lending solution that’s right for you.

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Getting started is simple

Just pick up the phone or drop by a branch to talk to a Flagstar team member.

Loans for every size and goal

Whether you’re expanding inventory or purchasing equipment, your bankers at Flagstar will work closely with you to create a lending solution that’s custom-built for your business. With flexible amounts, rates, and repayment terms, we can build a loan that’s right for your goals, and you can focus on what makes your business great.


  • Loan amounts starting at $25,000
  • Fixed or floating interest rates
  • Terms up to five years (seven years in some circumstances)
  • Repayment terms include principal and interest, or principal plus interest depending on rate 
  • Available for purchases, refinances, and working capital purposes
  • Collateral is required and may include accounts receivable, inventory, machinery and equipment, real estate, marketable securities, cash, and/or certificates of deposit

First things first

Streamline your business loan application by following these steps:

  1. Visit your local Flagstar branch to get started. We’ll explain the process and supply you with the documents needed for your application.
  2. Complete a business loan application.
  3. Fill out your personal financial statement.

To apply for a business loan, you must:
  • Meet established lending requirements and obtain credit approval.
  • Be established for at least one year (two years if requesting an unsecured line of credit).
  • Have a satisfactory business and personal credit history.
  • Be profitable with sufficient cash flow to meet both your new and current financial obligations.
  • Have adequate business income to support the new loan with no reliance on investment income.

Let’s connect

It all starts with a conversation. Pick up the phone or drop by a branch, and one of our team members can help answer any questions.

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Talk to a Flagstar team member by phone.

Call us and we’ll connect you with an expert.

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Meet a Flagstar team member in person.

Visit a Flagstar Bank location near you and find an expert.

Loans and lines of credit are subject to credit review and approval and underwriting terms and conditions. Loan repayment via auto-debit from a Flagstar checking account is required for all loans. Established credit criteria must be met. Apply at your local Flagstar branch. Fees may include a set-up fee, annual fee, and out-of-pocket costs. Online banking access for secured line of credit limited to view-only option.