Business Banking
Built for businesses that mean business
From sole proprietors to mid-market enterprises, IOU National provides the accounts, lending, treasury tools, and dedicated support your business needs to thrive.
Business checking accounts
Choose the account that matches your transaction volume and cash management needs.
Business Essential
$15/mo
Waived with $5,000 avg balance
- 200 free transactions/month
- Free business debit card
- Online & mobile banking
- Mobile check deposit
- ACH origination
- Free incoming wires
Business Premier
$30/mo
Waived with $25,000 avg balance
- 500 free transactions/month
- Earn 0.75% APY on balances
- Free outgoing domestic wires
- Treasury management access
- Positive pay fraud protection
- Dedicated relationship manager
- Sub-accounts for departments
Commercial Enterprise
Custom pricing
For businesses with $1M+ in deposits
- Unlimited transactions
- Customized earnings credit
- Full treasury management suite
- Integrated payroll & AP
- API access for ERP integration
- Dedicated commercial banker
- Custom reporting & analytics
- International wire capabilities
Business services
Tools and services designed to help you manage cash flow, accept payments, protect your accounts, and focus on running your business.
Treasury Management
Optimize cash flow with automated sweeps, zero-balance accounts, remote deposit capture, and real-time cash positioning across all your accounts.
Merchant Services
Accept payments in-store, online, and on mobile. Competitive processing rates starting at 2.4% + $0.10 per transaction with next-day funding.
Business Lines of Credit
Revolving credit lines from $25,000 to $5 million. Draw funds when you need them and only pay interest on what you use. Rates from Prime + 1.5%.
Commercial Real Estate
Financing for owner-occupied and investment properties. Competitive terms on acquisition, construction, and refinancing loans up to $25 million.
Payroll Services
Integrated payroll processing with direct deposit, tax filing, W-2/1099 preparation, and new hire reporting. Flat monthly fee with no per-employee charges.
Fraud Prevention
Positive pay, ACH debit blocks, dual-authorization controls, and real-time transaction monitoring to protect your business from unauthorized activity.
SBA & business lending
IOU National is a preferred SBA lender, meaning faster approvals and dedicated support. We funded over $420 million in SBA loans in 2025 alone.
Up to $5M
SBA 7(a) Loans
Working capital, equipment, real estate acquisition. Terms up to 25 years with competitive SBA rates.
Up to $5.5M
SBA 504 Loans
Long-term fixed-rate financing for major assets like real estate and heavy equipment. As little as 10% down.
$25K – $5M
Business Line of Credit
Revolving access to capital. Draw, repay, and redraw as needed. Interest only on outstanding balance.
Let's talk about your business
Schedule a call with a dedicated business banker who understands your industry and can recommend the right mix of products and services for your goals.