Skip to main content
Close

Before you go

You are about to leave flagstar.com. Flagstar is not responsible for the content on other sites.

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.

Icon of a checkmark

One-size-fits-you lending

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

Icon of a checkmark

Business is personal(ized)

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

Icon of a checkmark

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.

Person with a text bubble

Talk to a Flagstar team member by phone.

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

Person with a location pin

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..