Chase Business Banking

Chase Business Banking is the small business and commercial banking division of JPMorgan Chase Bank, N.A., one of the largest banks in the United States. Chase operates one of the country's largest branch networks, along with a full suite of digital banking tools, making it accessible to small business owners across most of the country.

Chase Business Banking offers a broad range of products for small business owners including business checking and savings accounts, business credit cards under the Ink brand, business term loans, business lines of credit and SBA loans. Chase is among the largest SBA 7(a) lenders in the country by loan volume.

SBA loans are backed by the US Small Business Administration. Because the government guarantees a portion of the loan, lenders like Chase can offer longer repayment terms and in many cases more competitive rates than unguaranteed business loans. The tradeoff is that SBA loans require more documentation and take longer to process than some other options.

For small businesses that want financing without going through the full SBA process, Chase also offers conventional business term loans and lines of credit for qualifying businesses. These typically have a faster approval process but may have shorter repayment terms.

Chase business banking is well suited to established small businesses and growing companies that want to work with a large, well-known bank that can also handle their day-to-day banking needs. Very early stage businesses or those with limited credit history may find it harder to qualify for Chase lending products.

Chase operates in most US states. Business owners should compare Chase's business loan terms against those from other banks, credit unions and SBA lenders before making a decision.