Also known as: Bank of America Business
Bank of America Business Banking is the small business and commercial lending division of Bank of America, N.A., one of the largest banks in the United States. Bank of America operates thousands of branches and ATMs across the country and provides business banking services to millions of small businesses.
Bank of America Business Banking offers a comprehensive range of products for business owners including business checking and savings accounts, business credit cards, term loans, business lines of credit, commercial real estate loans and SBA loans. Bank of America is an active participant in both the SBA 7(a) and SBA 504 loan programs.
SBA loans are government-backed business loans offered through banks like Bank of America. The government guarantee allows lenders to offer longer repayment terms and, often, more competitive rates than conventional loans for businesses that qualify. The application process involves more documentation and typically takes longer than a standard bank loan.
For businesses that do not need or cannot qualify for an SBA loan, Bank of America also offers conventional business term loans and lines of credit. The bank's Preferred Rewards for Business program provides benefits to business customers who maintain higher deposit balances.
Bank of America Business Banking is generally best suited to established businesses with solid financials and credit history. Startups or businesses with limited financial track records may find it harder to qualify for Bank of America lending products.
Bank of America operates across all 50 states. If you are considering a Bank of America business loan, compare the offer against those from other major banks, community banks, credit unions and SBA lenders to ensure you are getting a competitive deal.
Quick info
Business Loans
Bank of America Business
Bank of America Corporation
FDIC-insured.
2026-06-06
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Business loans; SBA loans; business credit cards; business lines of credit; commercial lending
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Date checked
2026-06-06
How do I make a complaint about Bank of America Business Banking?
Start with Bank of America Business Banking's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Bank of America Business Banking regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Bank of America Business Banking's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Bank of America Business Banking has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Bank of America Business Banking issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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