Local, Minority-Owned Business Loans

Investing in women-, minority-, and veteran-owned businesses to strengthen our future.

Huntington’s Lift Local Business® program supports minority-, woman-, and veteran-owned small businesses throughout the business life cycle — from start-up to expansion. Through our SBA team, the program offers loans, business planning support, free financial education courses delivered through Operation HOPE, and other services to help small business owners achieve their goals.

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Looking out for local, diverse businesses.

Huntington is proud to provide a loan option with longer-terms, overdraft fee relief, and waived monthly account service fees to help business owners from all walks of life, backgrounds, ethnicities, and experiences succeed in their industry.

We are well-versed in the unique challenges faced by woman, veteran, and racially and ethnically diverse-owned businesses. So, if you're a business owner looking to start or hoping to improve your business, we’re offering a complete business package to help.

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Local Business Loan Features

Our Lift Local Business loan program doesn’t have any unnecessary extras – just a streamlined plan aimed to help your business grow.

With our loan program, features include:

  • Qualify for loan amounts from $1,000 – $150,000
  • Access to capital at a low cost to your business
  • Zero origination fees
  • Huntington pays your SBA fees
  • Lower credit score requirements
  • Free financial education courses ($1,500 value) powered by Operation Hope
  • No monthly service fee checking account with 24–Hour Grace® overdraft and return fee relief††
  • Longer repayment terms to help avoid high payments in uncertain times

Who is eligible for our local business loan?

Participants of Huntington's Lift Local Business program include women, veterans, and racially and ethnically diverse business owners. If you have questions about your eligibility or you're ready to get started, please reach out to your nearest Huntington Branch, or call us at (800) 480-2001.

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Looking Out for Our Communities

With a focus on under-resourced communities, our 2021 Strategic Community Plan pledges $40 billion to strengthen small businesses and foster economic justice throughout the bank’s footprint over the next five years.

Learn more about our $40 billion Community Plan.

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Lending products are subject to credit application and approval.

SBA loans subject to SBA eligibility. Huntington is #1 in the nation in number of SBA 7(a) loans from October 1, 2017 to September 30, 2022. Huntington was the #1 SBA 7(a) lender in the region made up of Illinois, Indiana, Kentucky, Ohio, Michigan, West Virginia, and Western Pennsylvania from October 1, 2008 to September 30, 2021 and the region made up of Illinois, Indiana, Kentucky, Ohio, Michigan, West Virginia, Pennsylvania, Minnesota, Colorado and Wisconsin from October 1, 2021 to September 30, 2022. Source: U.S. Small Business Administration (SBA).

Lift Local Business® and 24-Hour Grace® are federally registered service marks of Huntington Bancshares Incorporated. ©2022 Huntington Bancshares Incorporated.

We will begin waiving the $20 Monthly Account Service Fee on your Unlimited Business Checking Account in the month you close on your loan under our Community Plan. This fee waiver will continue for thirty-six months or as long as you have an outstanding loan balance, whichever comes first. Only the Account Monthly Service Fee is waived and all other account charges apply as outlined on the Business Account Charges Form.

 ††Your account will be closed if it is negative by any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at huntington.com/BusinessSafetyZone and huntington.com/BusinessGrace. The 24-Hour Grace system and method is patented: U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.