Business Access Loans

We value your time and are committed to making this the easiest business loan application you've ever experienced. Business Access loans provide you a same day decision on your application, with expedited funding on loans that are approved, so you have access to your money faster with Zions Bank.[cite::26::cite]

Business Access Line of Credit

Line amounts up to $50,000
$150 annual fee
36 month Term

Business Access Term Loan

Borrow $5,000 to $175,000
$150 origination fee
Secured with up to 100% financing
Up to 60 month term

Talk to a Banker

Talk to a banker today about which Small Business loan is right for you. Email us at or contact us at 800-290-8690.  Or, to learn more about the U.S. Small Business Administration’s (SBA) Paycheck Protection Program, click below.

Is a Business Access Loan Right For You?

Business Access loans are ideal for companies with a simple ownership structure and small borrowing needs. If your business is owned by another business entity or if you already have more than $250,000 in debt with Zions Bank, then please talk with a banker about whether or not the Business Access loan is right for you. 

To Apply Online You Will Need:

  • To be an authorized officer of the business
  • To be at least 18 years old
  • To be a business located in Utah, Idaho, or Wyoming
  • Your Social Security Number
  • Your Employer Identification Number (EIN) - If applicable
  • An email address for all individuals with 20% ownership in the business[cite::8522::cite]
  • The average balance in your business bank accounts
  • The total debt and monthly debt payments for the business
  • The revenue and income information of the business