Small to Medium Size Business Loans in Minnesota – Flexible Financing Options

We provide transparent, reliable, and flexible financing solutions that empower Minnesota businesses by eliminating red tape and supporting their growth at every stage.

Real people. Real Conversations. Real Solutions.

We believe in building relationships through a straightforward process that starts with a conversation. Our local lending experts meet with you to understand your goals, aspirations, and financing needs—right at your business. From there, our experienced team of lenders, credit analysts, and executives collaborate to create tailored financing solutions.

With a focus on Minnesota small business loans, everything is handled locally, ensuring a personalized experience and shared success. Growing together isn’t just our motto—it’s our commitment to helping your business thrive.

Commercial Loans in Minnesota – Finance Your Business Growth

When you're ready to acquire a business, finance equipment, expand operations, or increase inventory, Security Bank & Trust Co. is here to help. Our commercial loans in Minnesota provide flexible financing solutions tailored to your needs, backed by expert, personalized service.

We offer a full range of credit and deposit solutions designed to support your business at every stage. Whether you're looking to open a new location or strengthen cash flow with treasury management, our local team is invested in your success.

Explore our resources to learn more:

Guide to Business Loans

Guide to Treasury Management

Real Estate Loans in Minnesota – Investment & Construction Financing

Whether you're planning new construction, redevelopment, or refinancing your property, Security Bank & Trust Co. simplifies the financing process with flexible real estate loan solutions. We offer a wide range of credit structures with competitive rates and varying maturities to support your goals.

Our areas of expertise include:

Owner-Occupied Buildings – Financing solutions tailored for businesses that operate in their properties.
Construction and Bridge Financing – Short-term funding to cover gaps and support project timelines.
Office/Warehouse Buildings – Scalable loan options for commercial and industrial properties.
Retail Centers – Financing to help you acquire or expand retail spaces.
Multifamily & Student Housing – Customized loans for apartment complexes and student accommodations.
Single-Family & 1-4 Family Rental Properties – Loans to grow your residential rental portfolio.

Partner with us today to explore financing options for:

Investment Real Estate

Construction

Our Guide to Investment Real Estate

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Equipment Loans in Minnesota – Finance Your Growth with Confidence

Get the equipment financing you need to keep your business moving forward. At Security Bank & Trust Co., we offer flexible equipment loan solutions to help you acquire the right tools—whether new or used—to boost productivity and profitability. Our streamlined process ensures you get funding quickly, so you can focus on what matters most—running your business.

We provide financing for:

Vehicles – Commercial trucks, vans, and specialized fleet equipment.
Heavy Machinery & Equipment – Construction, farming, and manufacturing tools.
Industrial Equipment – Conveyor belts, stationary machinery, and operational vehicles.
Office Equipment – Computers, printers, and essential business tools.
Medical & Dental Equipment – Financing for clinics, dental practices, and veterinary offices.
Restaurant Equipment – Stoves, refrigeration units, and commercial kitchen essentials.

Whether you're upgrading outdated equipment or expanding your operations, our team is here to help with tailored financing options.

Learn More about how our equipment loans can support your business success

SBA Loans in Minnesota – Flexible & Affordable Small Business Financing

Growing a business requires the right financial support, and our Minnesota based SBA loans offer flexible, government-backed financing options designed to help small businesses succeed. Whether you need low down payment business loans, longer fixed-rate terms, or working capital solutions, Security Bank & Trust Co. provides the expertise and resources to guide you through the process.

We specialize in SBA 504 and SBA 7(a) loans, working closely with Community Development Corporations to provide tailored financing options that fit your business needs. Our SBA loan programs can help you:

Purchase Commercial Real Estate – Acquire or expand your business property with affordable financing.
Invest in Equipment – Upgrade or purchase new machinery, vehicles, or technology.
Boost Working Capital – Strengthen cash flow to manage day-to-day operations.
Refinance Existing Debt – Consolidate and manage your financial obligations effectively.

At Security Bank & Trust Co., we simplify the SBA loan application process with a dedicated team that understands the unique needs of Minnesota small businesses.