You've got big plans for your small business.

For a limited time, you could get a $600 bonus1 and intro variable rates as low as Prime Plus 0.00%2 for the first 12 months on a Small Business Secured Line of Credit and a term loan with 0.25% off3 a fixed rate.

Offer ends June 30, 2022.

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We’re here to provide flexible banking solutions and expert industry resources to get you there.

  • CheckGet a $600 bonus1

    For a limited time, you can get a $600 bonus when you open and use a new Santander Business Checking or a Santander Business Checking Plus account and maintain an eligible average daily balance for 90 days.

  • CheckWaive the Monthly Fee4

    Both business checking accounts offer simple ways to waive the Monthly Fee.4

  • CheckPlus, you can get intro variable rates as low as
    Prime Plus 0.00%2

    For a limited time, you could get intro variable rates as low as Prime Plus 0.00% for the first 12 months on a Santander Business Secured Line of Credit.5

  • CheckExpand your business or refinance debt with a Santander Small Business Term Loan5

    Take some of the uncertainty out of life—lock in a fixed rate with a 0.25% discount.3

Limited-time offers expire March 31, 2022

Financing to embrace your future.

Your business, your future—get started on something big today.

Small Business Secured Line of Credit5

A flexible source of working capital to fund immediate needs or cover unexpected expenses.

  • A simple application process for unsecured lines of credit up to $100,000.6
  • If a line of credit isn’t right for you, ask us about our other flexible lending options.
  • No financial statements required at the time of qualified application on unsecured lines of credit up to $100,000.6

Small Business Term Loans and Small Business Equipment Financing5

Expand operations, purchase equipment, or refinance business debt.

  • Terms up to 5 years for Business Term Loans and up to 10 years for Business Equipment Financing.
  • Loan amounts up to $1,000,000 available.
  • Apply for up to $100,000 with no financial statements at the time of qualified application.6
  • Waive the $250 origination fee if you set up automatic electronic payments from a Santander Business Checking or Santander Business Checking Plus account.7
Don't miss out on these limited-time offers!

Small Business, Big Future—get started on something big today. Don't miss out on these limited-time offers!

Get in touch with a Santander business banking specialist today to get started.

Get Started
  • Book an appointment

    Make an in-person appointment with a banker today. Now it is even easier to book an appointment at a branch near you. Visit: santanderbank.com/booking.

  • Make an appointment with a banker.

    Call or stop by your nearest branch to schedule. We’re dedicated to making your in-branch experience safe with enhanced COVID-safety procedures.

  • Call us at 888-874-8261

    Any questions, please call us at 888-874-8261.

At Santander, we are focused on helping you reach your big dreams.

Look for our Small Business, Big Future events coming April through June.

Learn More

1 To receive a $600 cash bonus, your business must not currently have, nor have had, any business checking account with Santander Bank, N.A. (“Santander”) in the last 12 months, and your business must do all of the following: (i) Open a new Santander Business Checking or new Santander Business Checking Plus account by 06/30/2022; and (ii) Maintain an average daily balance of $5,000 or more for the first 90 days. Your Promotion Code must be entered at new account opening to be eligible for this offer. Offer is transferable until redeemed by the addressee on reverse side and we reserve the right, in our sole discretion, to limit the number of times this Promotion Code may be used. The Santander business checking account must be open and in good standing to receive the $600 cash bonus at the time of bonus payment. You will receive a $600 cash bonus in your new Santander business checking account within 30 days of meeting all offer requirements. We reserve the right to decline to open an account in our sole and absolute discretion. We will report the $600 bonus to the IRS as interest income for the year in which it is received. Limit to one $600 cash bonus per business entity as identified by Taxpayer Identification Number (TIN). The average daily balance calculation begins on the day of account opening, unless the account is opened on a weekend or holiday, in which case the calculation begins on the first business day after account opening. The average daily balance is the sum of the Current Balance at the end of each day for 90 days, divided by 90. The full $5,000 does not need to be deposited on day one of account opening in order to be eligible for the cash offer; however, the more days that pass, higher subsequent deposits are needed to meet the average daily balance requirement. (For example, if your balance was $500 for first 10 days, you would need a $5,563 balance for the remaining 80 days to be eligible for bonus.)

2 For a limited time, on Small Business Secured Lines of Credit (“BLOC”) between $100,000 and $500,000, pre-selected, qualified, and approved applicants are eligible to receive an introductory variable interest rate for 12 months following the BLOC closing of Prime Rate plus 0.00%, depending on creditworthiness and other factors as determined by Santander in its sole discretion. “Prime” or “Prime Rate” means a variable per annum rate of interest selected by Santander in its sole discretion from time to time, and is subject to change without notice. The Prime Rate is 3.50% as of March 16, 2022. On the first-year anniversary of the BLOC closing, the interest rate will convert to a variable rate between Prime Rate plus 1.00% and Prime Rate plus 8.50%, as determined and disclosed to you by Santander at the BLOC closing. To qualify for one of the 12-month introductory rates and waiver of the origination fee, an approved business applicant must: (i) Have, or open at time of BLOC closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) Have, or enroll in at BLOC closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the BLOC. The applicable rate, including, but not limited to, any introductory rate, is at all times subject to the terms and conditions of the loan documents. If the Prime Rate is less than zero, it shall be deemed to be zero. For qualified and approved applicants, additional fees, terms, and conditions may apply. Offer expires 06/30/2022.

3 For a limited time, for approved applicants, obtain a Small Business Term Loan between $10,000 and $1,000,000 and receive 0.25% off of the fixed rate. Applications must be received by 06/30/2022, and close within 90 days of approval. The interest rate will be determined at time of approval. To qualify for the 0.25% discount, an approved business applicant must: (i) have, or open at time of loan closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) have, or enroll in at loan closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the loan. Subject to credit approval. Refinances of existing Santander business loans are excluded. This rate offer may change at any time.

4 A payment from Santander Merchant Services posted into a Santander Business Checking or Santander Business Checking Plus account during the service fee period will waive the Monthly Fee for that checking account. For other ways to avoid the Monthly Fee, refer to the Business Deposit Account Fee Schedule.

5 Small business financing products are available to qualified applicants with annual revenues up to $3,000,000, subject to underwriting and credit rules, policies, and guidelines of Santander Bank, N.A. (“Santander”). Credit decisions are made by Santander in its sole discretion and subject to change at any time without notice. Offers do not apply to loans that require a guarantee from the U.S. Small Business Administration or existing Santander loans and credit transactions. To apply for these offers, applicants must submit a signed and completed application and any other information requested by Santander by 06/30/2022.

6 For qualified businesses applying for unsecured credit between $10,000 and $100,000, financial statements will not be required at time of application unless: (1) your business is a not-for-profit organization; or (2) your business's existing Santander business credit exposure at time of loan application, in addition to the loan application request amount, exceeds or will exceed $100,000; or (3) your business's existing Santander business credit exposure at time of loan application, in addition to the loan application request amount, is more than 10% of your business's most recent annual sales; or (4) your business is applying for a commercial real estate loan. Other restrictions or conditions may also apply.

7 For qualified and approved business applicants, between 04/01/2022 and 06/30/2022, Santander will waive the one-time origination fee of $250 on a Small Business Secured Line of Credit (“BLOC”) between $10,000 and $500,000, if the approved applicant (i) has, or opens at time of BLOC closing, a Santander Business Checking or Business Checking Plus account, and (ii) has, or enrolls in at time of BLOC closing, pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the BLOC. Additional fees, terms, and conditions may apply. Santander reserves the right to cancel or modify this origination fee waiver practice at any time in its sole discretion.

8 For a limited time, for approved applicants, Santander will waive its $250 SBA Packaging Fee. Applications must be received by 06/30/2022, and close within 90 days of approval. To qualify for the SBA Packaging Fee waiver, an approved business applicant must: (i) have, or open at time of loan closing, a Santander Business Checking or Santander Business Checking Plus account, and (ii) have, or enroll in at loan closing, automatic pre-authorized electronic payment (ePay) transfers from that Santander business checking account as payments for the loan. Subject to credit approval. Small Business Administration (SBA) collateral and documentation requirements are subject to SBA guidelines. SBA financing is subject to approval through the SBA 504, SBA 7(a) and SBA Express programs. Refinances of existing Santander business loans are excluded. This offer may change at any time. Offer expires 06/30/2022.

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