Business Access Loans

Same day decisions for online applications and expedited funding on approved loans

We value your time and are committed to making this the easiest business loan application you've ever experienced. Business Access loans provide you a same day decision on your application, with expedited funding on loans that are approved, so you have access to your money faster with Zions Bank.[cite::26::cite]

Use a Business Access Loan to buy or refinance equipment and vehicles. With a Business Access Line of Credit, you can have funds for working capital, marketing efforts or purchasing inventory.

Business Access Line of Credit

A line amount between $5,000 to $50,000
A term up to 36 months
The current ownership of the business should be more than 24 months
The business should not be owned by another business entity
The business should currently have less than $250,000 in loans with our bank
$150 annual fee
Unsecured

Business Access Term Loan

A loan amount between $5,000 to $175,000
A loan term up to 60 months
The current ownership of the business should be more than 24 months
The business should not be owned by another business entity
The business should currently have less than $250,000 in loans with our bank
$150 origination fee
Secured with up to 100% financing

Talk to a Banker

Talk to a banker today about which Small Business loan is right for you. Email us at BusinessBanking@zionsbank.com or contact us at 800-290-8690.  Or, to learn more about the U.S. Small Business Administration’s (SBA) Paycheck Protection Program, click below.

Is a Business Access Loan Right For You?

Business Access loans are ideal for companies with a simple ownership structure and small borrowing needs. If your business is owned by another business entity or if you already have more than $250,000 in debt with Zions Bank, then please talk with a banker about whether or not the Business Access loan is right for you. 

BEFORE YOU APPLY ONLINE, YOU WILL NEED:

  • To be an authorized officer of the business
  • To be at least 18 years old
  • To be a business located in Utah, Idaho, or Wyoming
  • Your Tax Identification Number(s) (SSN / TIN)
  • An email address for all individuals with 20% ownership in the business[cite::8522::cite]
  • The revenue and income information of the business
  • The average balance in your business bank accounts
  • The total debt and monthly debt payments for the business