Stearns Bank is an independently-owned bank with over $1.9 billion in assets specializing in urgent care financing. We have the financial resources and expertise to handle all your finance needs. Simply put, we will get the job done for you!

6 Months No Payments
on a SBA Loan*

Small Business Loan

  • FAST, in-house approval & processing
  • Flexible, no defined "credit box"
  • Loan amounts of all sizes, terms up to 25 years
  • Low to NO down payment
  • A Stearns Banker walks you through the loan process
  • Start-up, acquisition, expansion, refinance, real estate purchase, contract payoff, equipment purchase, renovation, construction purposes, inventory & working capital
  • Nationwide Preferred SBA Lender

Equipment Leasing & Finance 

  • Direct lender for new or used equipment
  • Flexible terms, such as no payments for 90 days
  • One-hour response time with personal contact all the time

*Call 1-888-320-2899 for details.


Tom Ethen, VP SBA Lender
Phone: 1-888-320-2899


Robin Studniski, SBA Lender
Phone: 320-650-2383


Michelle Fuchs, Equipment Finance
Phone: 1- 800-247-1922