Banking that moves at the speed of your business
Checking, savings, ACH and Fedwire transfers, business lending and trust administration — in one secure platform, with a relationship manager who knows your name.
- No monthly maintenance fees
- Decisions in 24–48 hours
- US-based relationship team
Built on the payment rails American businesses rely on
Everything a modern bank relationship needs, in one place
Built for clients and for the team that serves them — from the first application to the year-end statement.
Checking & savings
Multi-account dashboard with real-time balances, display in USD, EUR, GBP, CAD or CHF.
ACH, Fedwire & international
Domestic transfers with routing-number validation and cut-off-aware settlement; wires to 200+ countries.
Lending, end to end
Online application, document upload, underwriting messages and live loan tracking.
Trust administration
Trust deeds, funding receipts and scheduled distributions, issued as signed PDF instruments.
Verifiable documents
Statements, receipts and agreements carry a QR code anyone can scan to verify authenticity.
Security & controls
Two-factor sign-in, one-time passcodes on transfers, daily limits and account restrictions.
Cards & bill pay
Credit card applications, card controls and scheduled bill payments from one screen.
Back-office console
Approvals, adjustments, KYC review, statements and customer messaging for your operations team.
A single point of contact who knows your business, from application to repayment.
Lending built on relationships, not scorecards
Sovereign Trust helps businesses and entrepreneurs across the United States access the capital they need — with terms set by people who understand the business, not by a scoring model.
Dedicated Relationship Manager
A single point of contact who knows your business, from application to repayment.
Human Underwriting
Real people assess your application — not just algorithms. We listen to your story.
Transparent Pricing
The rate you see is the rate you pay. No hidden arrangement or early repayment fees.
A facility for every stage of growth
From a $5,000 personal loan to eight-figure commercial facilities, every loan comes with transparent pricing and a named relationship manager.
Business Loans
From 4.9% APRWorking capital, expansion finance, and growth funding for established businesses.
- Up to 84-month terms
- Funds in 48 hours
- No prepayment penalties
Contractor Financing
From 5.4% APRBridge cash-flow gaps between invoicing and payment for contractors and consultants.
- Flexible draws
- Invoice-backed lending
- Project-based terms
Small Business Expansion
From 5.1% APRTailored facilities for small and mid-sized businesses opening new locations or entering new states.
- Lines of credit and term loans
- Dedicated relationship manager
- Custom repayment schedule
Trade Finance
From 3.8% APRLetters of credit, documentary collections, and import/export facilities for global trade.
- LCs & standby guarantees
- Cross-border settlement
- Export credit insurance
Equipment Financing
From 4.5% APRAcquire machinery, vehicles, and capital equipment with asset-backed terms.
- Up to 100% financing
- Fixed monthly payments
- Section 179–friendly structures
Personal Loans
From 6.9% APRUnsecured personal lending for major purchases, debt consolidation, or life events.
- No collateral required
- Fast approval
- Transparent pricing
- Loan amount
- $250,000
- Term
- 60 months
- APR
- From 4.9% APR
- Monthly payment
- $4,706
- Total repayable
- $282,360
Indicative rate. Your final offer is based on credit assessment and application profile.
From application to funded — in under a week
A clear process with a real person at every stage.
- 01
Apply Online
Complete our secure 8-step application in under 15 minutes. Identity verification is built in.
- 02
Underwriting Review
Our team reviews your application within 24–48 business hours. You can message us at any time.
- 03
Receive Offer
Approved offers include full terms, monthly payments, and total repayable. Valid for 14 days.
- 04
Sign & Fund
E-sign your agreement. Funds arrive in your account by ACH or wire within 1 business day.
Trusted by businesses across America
Founders, operators and families who bank with us.
“We received our $1.2 million working capital line within 72 hours. The team understood our seasonal cash flow immediately. The terms were transparent, the rate competitive, and our relationship manager has been outstanding.”
“After being declined by two national banks, we funded our second studio with a $450,000 expansion loan. The underwriters engaged with our business plan instead of relying on automated scoring. A truly relationship-driven lender.”
“Contractor financing has transformed how we manage project cash flow. The draw facility lets us bid on larger contracts with confidence. Fast, professional, and refreshingly transparent on pricing.”
Protection designed in, not bolted on
Two-factor sign-in, one-time passcodes on transfers, daily limits and account restrictions.
SSL Secured
TLS 1.3 encryption across every connection. Your data is protected end-to-end.
KYC Verified
Customer identification carried out under the USA PATRIOT Act and the Bank Secrecy Act.
Encrypted Banking
AES-256 encryption at rest, two-factor sign-in and one-time passcodes on every transfer.
Compliance Standards
Customer information protected under the Gramm-Leach-Bliley Act privacy and safeguards rules.
Answers to common questions
Can't find what you're looking for? Our team replies within one business day.
Contact usLet's Talk
Have questions about our loan products? Our expert team is here to help you find the right financing.
Ready to grow with Sovereign Trust?
Apply online in under 15 minutes. No commitment — see your indicative offer before signing anything.