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Your Dreams Are Only A Loan Away

You bring the goals and persistence, we'll bring our lending experience and resources.

Small business loans are a huge deal. They can get your start-up started or launch your existing business to the next level. Whatever stage you're at, we're ready to work with you. Tell us your story – and then make us a part of it.

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StarTribune Best Bank Award

While our reach spans across the nation, our roots are in Minnesota. That’s where we’ve been named “Best Bank” and “Best Ag Lender” by readers of the Star Tribune.

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

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

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

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

Industries We Serve

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

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

Stearns Bank Awards

At Stearns Bank, our personal service, speed, strong financial management and consistent performance are recognized nationally. We are honored by such confirmation that our mission, vision and values are put into action in all we do.

Independent Community Bankers of America (ICBA)
Recognized as one of the top-performing banks in the nation by Independent Community Bankers of America.
Monitor 100
Listed among the Monitor 100 largest equipment finance companies.
American Banker
Ranked as one of the top-performing banks in the nation, in its peer group, by American Banker magazine.
Best Bank - StarTribune Minnesota's Best
Named Minnesota’s Best Bank and Best Ag Lender by readers of the Star Tribune.

Small Business Matters

Stearns Bank, Skalicky Collaborate On OCC's Project REACh

After joining OCC MDI collaboration meetings, Stearns Bank President and CEO Kelly Skalicky formed bank partnerships that have delivered welcomed benefits.

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Stearns Bank, Skalicky Collaborate On OCC's Project REACh
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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