Research and patience. Commercial property owners and construction businesses know these two words better than anyone. Finding financing for a commercial property, or for new or used equipment requires the right relationship. If you're purchasing, refinancing, developing or constructing – why not build a relationship with a bank that understands your distinctive challenges?
Specializing in all types of commercial lending
It doesn't matter if you're involved in real estate and construction lending, affordable housing or USDA projects – we can take on any project. Our construction team works directly with you to monitor progress and ensure a timely completion.
SBA Construction Loans
Work with one of the nation's most active SBA lenders
New construction. Renovation. Expansion. You have big goals that we can fuel. A Stearns Bank SBA loan can help you achieve your goals with a fast, efficient approval process and personal support from construction lending experts.
Work with equipment experts that understand your industry and answer on the first ring
The sooner you start using your construction equipment, the faster you’ll see results. We'll work with you to increase efficiencies in your operation while offering competitive rates on used or new equipment.
USDA Rural Development Loans
Program supports economic growth and job creation
If you are starting or expanding a business in a rural area, you may qualify for a USDA Rural Development Loan. As a USDA Multi-State Lender, Stearns Bank can effectively manage the loan application process so your project is fully funded. We will help you explore options under the USDA Business & Industry program and the Renewable Energy for America Program (REAP).
Banking That Pays
Checking and savings accounts
Reach your business checking and savings goals faster with simple, smart and rewarding BusinessSmart™ accounts. Earn interest and cash back with the convenience of online and mobile banking.