A broad national-bank menu with clear line limits, fees and repayment periods on its comparison page.
Chase at a glance
Chase publishes term loans and revolving lines up to $500,000 plus real-estate and SBA lending. Its small-business route combines online product information with branch or banker involvement. The advertised maximum is not a promise of approval. A final offer can be smaller and can use a different payment structure after the provider reviews revenue, credit, industry, state and recent bank activity.
What works
- Term, line, property and SBA options
- Monthly payment structures
- Published line fee and eligibility factors
- Relationship pricing for qualifying larger facilities
What needs a closer look
- Many applications involve a banker or branch
- Line annual fee can apply
- Prepayment fees may apply above stated thresholds
- Five-year line lifecycle needs renewal planning
Published starting profile
Time in businessOwnership and management stability considered
Business revenue$100,000+ annual revenue for published small-business products
Credit profilePublished eligibility guidance includes 660+ FICO
ApprovalSubject to underwriting and a final agreement
What the financing actually looks like
National bank making direct term loans, lines, commercial real-estate loans and SBA financing.
Rates are application specific. Chase publishes line fees, zero origination fees on selected term products and relationship discounts for qualifying larger facilities.
Small-business term loans use monthly installments. The line has a five-year revolving period followed by a five-year repayment period under the published structure.
Collateral depends on product. Real-estate loans use the property; conventional facilities can use business assets and owner guarantees.
The product menu is national, but many applications and larger requests require a banker or branch discussion.
Published eligibility factors for selected small-business products include $100,000 annual revenue, 660 FICO and stable majority ownership and management.
The line includes two different periods
The first five years are revolving, allowing reuse as principal returns. The published structure then has a five-year repayment term. Ask what happens to new draws near the end of the revolving window and whether a renewal requires a full re-underwrite. A line used as permanent debt can become a term loan on the bank's timetable.
Fees depend on commitment and behavior
The line fee is the greater of $200 or 0.25% of the approved amount, with a waiver tied to average utilization. That condition rewards regular borrowing. Do not draw merely to avoid a fee; compare the annual fee with the interest created by unnecessary balances.
Property loans can hide a balloon decision
Chase says commercial real-estate financing can fully amortize or end with a balloon. A lower payment under long amortization can leave a large maturity balance. Record the fixed-rate period, amortization period and maturity separately, then stress-test the refinance value and rate before signing.
Who should keep it on the shortlist?
An established company wanting one bank relationship across operating credit, term debt, property and SBA options.
A thin-file startup or a borrower choosing only by the $500,000 ceiling without confirming the branch process and security package. That second group should compare a bank, credit union or government-backed route before paying for a shorter online process.
Our view
Chase is a useful full-menu bank comparison. Its published line lifecycle and eligibility factors give an owner enough information to decide whether a bank conversation is worth starting. No published threshold can predict an individual approval, and no company maximum should set the size of the request.
How to read the offer
Ask for the cash delivered after withheld fees, total dollars repaid, number of payments and payment frequency. Then read the personal guarantee, UCC filing, collateral, default and early-payment sections. If the offer uses a factor, calculate an estimated annualized cost for comparison without pretending that estimate changes the contract into a loan.
Model the payment against the weakest recent revenue month. Leave payroll, sales tax, suppliers and existing debt in the bank forecast. A fast approval can still be the wrong product when automatic withdrawals create another gap before the financed project returns cash.
Primary sources checked
Chase business loans ↗Chase term loans ↗Chase SBA financing ↗
Accessed July 16 and 17, 2026. Company pages can change after publication.