Industrial and Commercial Bank of China USA, National Association

ICBC USA is the U.S. subsidiary of one of the world's largest banks by assets, operating as a federally chartered national bank and serving businesses across the country. Its commercial lending lineup covers lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. The bank also offers trade finance and corporate syndication — making it a natural fit for businesses with cross-border operations or ties to China. Minimum qualifications and rate details aren't published, so contacting the bank directly is the best way to gauge eligibility for your situation.