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.

We serve customers nationwide, but we’re proud to be named “Best Bank” and “Best Ag Lender” in our home state of Minnesota, two years in a row, 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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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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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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Industries We Serve

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

Agriculture

Construction

Franchise

Manufacturing

Medical

Optometry

Renewable Energy

Transportation

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

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.

Listed among the Monitor 100 largest equipment finance companies.

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, two years in a row, by readers of the Star Tribune.

Small Business Matters

Financing Terms Every Small Business Owner Should Know

Discover the top financing terms every small business owner should know, from SBA loans to business lines of credit.

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.