Your Dreams, Our Loans

We finance your goals. You fuel the drive.

Small business loans launch start-ups and grow enterprises. We're ready to help at any stage. Tell us your story. Let's write the next chapter together.

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SBA Loans | Equipment Financing | USDA Rural Development Loans | Commercial Finance

Stearns Bank small business loans, equipment financing, commercial finance

SBA Loans

When you're ready to grow, start a new business, or join a franchise, Small Business Administration (SBA) loans from Stearns Bank offer you a chance to achieve what you've been dreaming about.

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SBA loans from Stearns Bank
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Equipment Financing

With in-house decision making and personal service, get equipment financing answers in hours and get your new and used equipment working for you, fast.

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Equipment financing from Stearns Bank
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USDA Rural Development Loans

Stearns Bank is a USDA Multi-State Lender. We deliver financing with an efficient process and personal service. Financing can be customized to your needs and timeline.

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USDA Rural Development loans from Stearns Bank
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Commercial Finance

We have the resources and expertise to finance commercial projects nationwide. Our lending team will work closely with you to understand your project and determine the best financing options.

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Commercial financing from Stearns Bank
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Industries We Serve

See how Stearns Bank helps customers across many industries grow and thrive with innovative financing.

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Agriculture

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Construction

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Franchise

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Manufacturing

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Medical

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Optometry

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Renewable Energy

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Transportation

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Veterinary

Native American Communities

We work closely with Native American communities to understand their challenges and provide financing that drives business development. Our team shares your vision for prosperous, healthy communities, with expertise in renewable energy, construction, opportunity zones, business enterprise funding and equipment financing. We support your goals with superior customer service and creative financial solutions.

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Stearns Bank financing and banking for Native Americans
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Stearns Bank Awards

At Stearns Bank, our personal service, sense of urgency, strong financial management and consistent performance are recognized nationally.

Independent Community Bankers of America (ICBA)
Recognized as one of the top-performing banks in the nation by Independent Community Bankers of America.
Monitor Top 100
Listed among the Monitor 100 largest equipment finance companies.
American Banker Best Banks to Work For
Ranked in the top 20 on American Banker's Best Banks to Work For Listing.
Best Bank - StarTribune Minnesota's Best
Named Minnesota’s Best Bank & Best Ag Lender, three years in a row, by readers of the Star Tribune.
Great Places to Work. Certified.
This employee-validated distinction highlights our successful workplace culture efforts.

Small Business Matters

Funding A Business Acquisition And The Small Business Loan Program

The SBA Loan program can be beneficial for buyers who are interested in acquiring businesses that do not have sufficient tangible assets to meet the collateral requirements of traditional bank financing.

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Funding A Business Acquisition And The Small Business Loan Program
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.

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