Business Loans
Business Loans Built Around Your Goals
Every business has its own challenges, opportunities, and plans for growth. Whether you're launching a new venture, expanding operations, purchasing equipment, acquiring real estate, or managing cash flow, our experienced commercial lenders take the time to understand your goals and recommend financing solutions that fit your business.
Because we're locally owned and locally managed, lending decisions are made by people who understand relationships, responsiveness, and long-term success. Rooted in west-central Minnesota. Serving customers wherever life takes them.
Business Financing Solutions
Commercial Loans
Flexible financing solutions for expansion projects, working capital needs, operational improvements, and long-term business investments.
Lines of Credit
Access funds as you need them to manage cash flow, cover seasonal expenses, or handle unexpected costs—only pay interest on what you use.
Small Business Loans
Financing designed to help small businesses launch, grow, purchase assets, manage cash flow, and invest in future opportunities.
Equipment Loans
Purchase or upgrade essential equipment while preserving cash flow, with financing structured around the useful life of the asset.
Bridge Loans
Short‑term financing to help “bridge the gap” between transactions or funding sources, keeping your business moving forward without delays.
Construction Loans
Financing to support new construction or major renovations, with draws aligned to project milestones.
SBA Loans (7a & 504)
Government‑backed loan programs offering longer terms and competitive structures, ideal for business growth, real estate, or major purchases.
Operating Loans
Provide working capital for payroll, inventory purchases, vendor payments, operating expenses, and other day-to-day business needs.
Acquisition Loans
Financing to help you purchase an existing business, buy out a partner, or expand through acquisition.
Letters of Credit
A trusted financial guarantee that helps facilitate domestic or international transactions and builds confidence with suppliers or partners.
Real Estate Loans
Finance office buildings, retail space, warehouses, manufacturing facilities, investment properties, and other commercial real estate projects.
Specialized Loans
Don't see your project or loan type listed? Give us a call. If it makes sense for your business, there's a good chance we can help.
Ready to Get Started?
Our online business loan application allows you to begin the process when it's convenient for you. Preparing the information below can help make the application process smoother and more efficient.
Documentation Needed:
- Three year's of Personal Financial Statements (prepared internally or by an accountant) AND a YTD Personal Financial Statement
editable spreadsheet | printable PDF - Three most recent year's Business and Personal Tax Returns
- SSN, DOB, and Driver's License for all persons listed on the Account
- Additional documentation may be required
Related Business Services
Work With Experienced Commercial Lenders
Strong businesses are built on strong relationships. Our commercial banking team is ready to help you evaluate opportunities, navigate challenges, and plan for what's next.
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Business owners value responsive service, local expertise, and banking solutions designed around their needs. We're committed to helping businesses grow while supporting the communities they serve.
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We provide financing for equipment purchases, commercial real estate, business acquisitions, operating expenses, construction projects, working capital, and more.
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Business loans may be used for growth initiatives, inventory purchases, equipment, expansion projects, commercial property, payroll, and operational expenses.
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You can begin by completing our online application or contacting a commercial lender to discuss your financing needs.
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Depending on the loan type, requested documentation may include tax returns, financial statements, ownership information, and business records.
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Loan terms vary based on the financing purpose, collateral, repayment structure, and other factors.
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Absolutely. Our commercial lenders are available to discuss your goals and help identify potential financing solutions.
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Our lending decisions are made locally by people who take the time to understand your situation. That means responsive service, faster decisions, and lending solutions tailored to your goals.