Franchise

Doing the right research. Finding the right business model. Picking the right location. So much goes into becoming a franchise business owner. It requires self-evaluation, perseverance and patience. So why not work with a financial institution that specializes in franchise financing?

SBA Loans

We work with a variety of franchise models. If you want to start a franchise business, or purchase an existing franchise, our extensive SBA lending experience will help you reach your goal. Franchise owners appreciate Stearns Bank for its customized solutions, efficient loan approval process and sense of urgency.

Construction Loans

Your franchise won’t succeed unless you pick the right location. And, when you're moving into a new location, there is usually construction involved. Our in-house underwriting and approval process delivers a quick turnaround on cost-effective flexible financing. With access to key decision-makers, and a streamlined document process, we are able to facilitate an easy construction loan for you.

How A Stearns Financing Relationship Turned Into a Friendship

Mike and DeNae Hiltner

Waite Park, MN

The Hiltners were starting a Great Harvest Bread Co. store and were looking to purchase land to start the business in the St. Cloud (Minnesota) area. Initially, finding financing wasn’t easy for them.

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BusinessSmart checking and market savings from Stearns Bank

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.