Top SBA Lenders in Minnesota

Entrepreneurs and small business owners in Minnesota have a wealth of financial options at their disposal, thanks to the support provided by the Small Business Administration (SBA) lenders. Let’s explore the top 10 SBA lenders in the state, shedding light on their unique characteristics and strengths:

Minnesota Preferred SBA Lenders

RankBankBank HQ# of Loans Avg Loan Avg Interest
1U.S. BankCincinnati, OH238 $127,142 7.1%
2BankVistaSartell, MN97 $354,233 6.6%
3The Huntington National BankColumbus, OH67 $283,101 7.3%
4Wells FargoSioux Falls, SD46 $117,952 10.0%
5Hiawatha National BankHager City, WI39 $522,921 5.8%
6Choice Financial GroupFargo, ND38 $534,513 7.1%
7Frandsen Bank & TrustLonsdale, MN36 $537,361 7.0%
8Bremer BankSaint Paul, MN35 $642,209 6.0%
9Financial Security BankKerkhoven, MN32 $225,519 6.1%
10Granite BankCold Spring, MN32 $127,469 7.0%
11Old National BankEvansville, IN31 $1,099,855 6.4%
12Platinum BankOakdale, MN31 $891,697 4.2%
13Minnwest BankRedwood Falls, MN29 $636,552 6.2%
1421st Century BankLoretto, MN26 $395,750 5.4%
15Highland BankSt. Michael, MN25 $198,580 7.1%
16Magnifi Financial CUMelrose, MN23 $291,983 6.4%
17Falcon National BankFoley, MN21 $797,086 6.4%
18Sunrise BanksSaint Paul, MN21 $430,643 7.2%
19Village BankSaint Francis, MN20 $982,435 6.0%
20Ultima Bank MinnesotaWinger, MN16 $448,938 5.5%
21BankCherokeeSaint Paul, MN15 $469,027 6.4%
22BayFirst National BankSaint Petersburg, FL15 $322,733 8.3%
23First Bank & TrustBrookings, SD15 $1,055,427 5.9%
24Security Bank USABemidji, MN15 $157,113 6.9%
25Northeast BankMinneapolis, MN13 $517,715 5.6%
26First Citizens BankMason City, IA12 $99,108 6.0%
27First Resource BankLino Lakes, MN12 $366,250 7.3%
28Bell BankFargo, ND11 $1,158,236 6.1%
29Citizens Bank & Trust CoHutchinson, MN11 $198,573 6.0%
30Members Cooperative CUDuluth, MN11 $230,345 6.1%
31Citizens State BankHudson, WI10 $293,090 5.8%
32Live OakWilmington, NC10 $1,998,000 6.1%
33The Bank of Elk RiverElk River, MN10 $351,730 6.2%
34Celtic BankSalt Lake City, UT9 $661,833 7.7%
35Lake Region BankNew London, MN9 $131,744 5.6%
36Bridgewater BankSaint Louis Park, MN8 $221,775 6.6%
37Farmers and Merchants State Bank of PierzPierz, MN8 $185,213 5.8%
38Luminate BankMinnetonka, MN8 $639,250 7.5%
39United Midwest Savings BankDe Graff, OH8 $131,250 6.7%
40Alerus FinancialGrand Forks, ND7 $264,843 6.5%

1. U.S. Bank

U.S. Bank, a nationally recognized institution based in Cincinnati, Ohio, leads the pack with an impressive 238 loans. Offering an average loan amount of $127,142 at a 7.1% interest rate, U.S. Bank provides Minnesota businesses with the advantage of a robust national presence and a track record of substantial lending support.

2. BankVista

BankVista, headquartered in Sartell, Minnesota, secures the second position with a strong local focus. Facilitating 97 loans, the bank offers an average loan amount of $354,233 at a competitive 6.6% interest rate. Minnesota businesses looking for community-oriented support and competitive financing terms may find BankVista to be an ideal partner.

3. The Huntington National Bank

The Huntington National Bank, based in Columbus, Ohio, is a national player with a considerable presence in Minnesota. With 67 loans, the bank provides an average loan amount of $283,101 at a 7.3% interest rate. The Huntington National Bank offers businesses in Minnesota a mix of national backing and substantial lending support.

4. Wells Fargo

Wells Fargo, headquartered in Sioux Falls, South Dakota, is a well-established national player. With 46 loans, the bank offers an average loan amount of $117,952 at a relatively higher 10.0% interest rate. While providing a broad spectrum of financial services, businesses in Minnesota should consider the interest rate implications.

5. Hiawatha National Bank

Hiawatha National Bank, located in Hager City, Wisconsin, secures the fifth position. Facilitating 39 loans, the bank offers an average loan of $522,921 at a low 5.8% interest rate. Hiawatha National Bank stands out for businesses seeking localized support and competitive financing terms.

6. Choice Financial Group

Choice Financial Group, headquartered in Fargo, North Dakota, caters to businesses in Minnesota with a regional focus. With 38 loans, the bank offers an average loan amount of $534,513 at a 7.1% interest rate. Choice Financial Group is a strategic choice for businesses seeking regional support with competitive financing terms.

7. Frandsen Bank & Trust

Frandsen Bank & Trust, located in Lonsdale, Minnesota, is a regional player with a focus on the local community. Facilitating 36 loans, the bank offers an average loan amount of $537,361 at a 7.0% interest rate. Minnesota businesses seeking community-oriented financing and competitive terms may find Frandsen Bank & Trust to be an attractive option.

8. Bremer Bank

Bremer Bank, based in Saint Paul, Minnesota, distinguishes itself with a focus on larger loan amounts. With 35 loans, the bank provides an average loan of $642,209 at a 6.0% interest rate. Bremer Bank is an attractive option for businesses in Minnesota looking for substantial financial support.

9. Financial Security Bank

Financial Security Bank, located in Kerkhoven, Minnesota, is a local player with a focus on personalized service. Facilitating 32 loans, the bank offers an average loan amount of $225,519 at a 6.1% interest rate. Financial Security Bank caters to businesses seeking community-oriented support and competitive financing terms.

10. Granite Bank

Granite Bank, based in Cold Spring, Minnesota, closes the top 10 SBA lenders in the state. With 32 loans, the bank offers an average loan amount of $127,469 at a 7.0% interest rate. Minnesota businesses looking for a local banking partner with competitive financing terms may find Granite Bank to be a strategic choice.

In conclusion, Minnesota businesses have a diverse array of SBA lenders to choose from, each offering unique advantages. Whether seeking local community support, substantial national backing, or a mix of both, these top 10 lenders cater to the diverse financial needs of businesses in the Land of 10,000 Lakes.

Top Industries for SBA loans in Minnesota

RankIndustry# of Loans Avg Loan Avg Interest
1Full-Service Restaurants56 $348,450 6.3%
2General Automotive Repair32 $395,122 6.3%
3Limited-Service Restaurants30 $590,390 6.3%
4Offices of Chiropractors27 $193,978 6.5%
5Landscaping Services27 $205,796 6.3%
6Home Health Care Services27 $455,359 6.9%
7Beauty Salons26 $376,327 6.5%
8General Freight Trucking, Local25 $158,156 6.8%
9Plumbing, Heating, and Air-Conditioning Contractors23 $370,361 6.4%
10Residential Remodelers21 $282,276 7.5%
11Snack and Nonalcoholic Beverage Bars19 $408,737 6.5%
12Fitness and Recreational Sports Centers19 $238,900 6.8%
13All Other Specialty Trade Contractors19 $570,437 6.5%
14Specialized Freight (except Used Goods) Trucking, Local19 $144,632 6.5%
15Breweries17 $592,382 6.7%
16Administrative Management and General Management Consulting Services17 $76,424 7.6%
17General Freight Trucking, Long Distance, Truckload15 $176,293 8.1%
18Marketing Consulting Services14 $90,357 6.1%
19Machine Shops14 $330,779 6.0%
20Insurance Agencies and Brokerages13 $494,069 6.0%
21Hotels (except Casino Hotels) and Motels12 $1,975,700 6.3%
22Other Personal Care Services12 $122,700 7.5%
23All Other Professional, Scientific, and Technical Services12 $305,292 6.4%
24Lessors of Nonresidential Buildings (except Miniwarehouses)11 $532,845 6.2%
25All Other Personal Services11 $694,982 6.1%
26Janitorial Services10 $404,760 6.7%
27All Other Amusement and Recreation Industries10 $355,670 6.6%
28Electrical Contractors10 $129,490 5.7%
29Flooring Contractors10 $72,740 7.5%
30Pet Care (except Veterinary) Services9 $498,800 6.1%
31Offices of Lawyers9 $227,744 6.5%
32Mobile Food Services9 $88,222 6.2%
33Child Day Care Services9 $618,489 6.8%
34Drinking Places (Alcoholic Beverages)9 $527,344 6.1%
35Custom Computer Programming Services9 $317,222 6.6%
36Commercial and Institutional Building Construction9 $306,778 7.6%
37Site Preparation Contractors9 $172,444 6.7%
38Offices of Dentists8 $1,605,338 6.7%
39Finish Carpentry Contractors8 $21,100 7.2%
40Offices of Certified Public Accountants8 $274,075 7.3%

Top SBA Loan Franchises in Minnesota

RankFranchiseName# of Loans Avg Loan Avg Interest
1The UPS Store6 $180,167 7.9%
2Americas Best Value Inn4 $1,254,350 6.9%
3Hotworx4 $262,500 8.4%
4Prose3 $143,333 6.5%
5Christian Brothers Automotive3 $413,567 5.8%
6Midas3 $819,133 5.5%
7Econo Lodge3 $2,728,667 5.6%
8Nautical Bowls3 $298,233 6.3%
9Scooter’s Coffee3 $1,345,667 7.6%
10Jersey Mike’s2 $580,000 5.8%
11Papa Murphy’s Take ‘N’ Bake Pi2 $661,100 7.3%
12HealthSource Chiropractic2 $197,400 6.1%
13ActionCOACH2 $220,000 9.8%
14Hello Garage2 $30,000 6.2%
15The Brothers that just do Gutt2 $156,250 5.5%
16Gina Maria’s Pizza2 $75,000 6.0%
17Budget Blinds2 $150,000 6.0%
18Clothes Mentor2 $283,750 7.0%
19Apple SpiceTM2 $381,450 8.0%
20Subway2 $266,800 6.5%
21Send Me a Trainer2 $75,000 6.3%
22Mr. Appliance2 $150,000 6.3%
23Erbert and Gerbert’s2 $278,850 6.9%
24Fantastic Sams2 $773,000 5.5%
25Burn Boot Camp2 $142,000 7.1%
26Rumble2 $519,100 9.0%
27Footprints Floors2 $150,000 8.3%
28Nautical Bowls2 $348,000 8.3%
29Red’s Savoy Pizza2 $238,000 8.5%
30Carquest2 $947,000 7.6%
31Visiting Angels2 $809,050 8.5%
32Deka Lash2 $72,750 6.3%

Top Minnesota SBA Loan Borrowers by Jobs Supported

RankBusinessLocationIndustry Loan Size Interest Rate Jobs
1UNLIMITED POSSIBILITIES LLCBurnsville, MNAll Other Professional, Scientific, and Technical Services $500K – $1M 6.0%270
2SPCO2 LLCRoseville, MNLimited-Service Restaurants $2.5M – $5M 4.8%247
3THE LORENZ CLINIC LLCVictoria, MNOffices of Physicians, Mental Health Specialists $1M – $2.5M 2.8%230
4MAGNA VITA HOME HEALTHCARE FUNRush City, MNHome Health Care Services $500K – $1M 5.4%222
5UPLINK STAFFING INCBrooklyn Ctr, MNHome Health Care Services $250K or less 6.0%200
6MORTY CONSTRUCTION INCAskov, MNRegulation and Administration of Communications, Electric, Gas, and Ot $500K – $1M 6.0%200
7DOMI HEALTH LLCMinneapolis, MNHome Health Care Services $1M – $2.5M 6.3%194
8ROYALTY HEALTH CARE INC.Fridley, MNHome Health Care Services $2.5M – $5M 6.8%180
9CENTRO HIGHLAND PARK LLCSaint Paul, MNFull-Service Restaurants $1M – $2.5M 7.3%170
10HOMECO INSULATION INCMinneapolis, MNAll Other Specialty Trade Contractors $1M – $2.5M 6.9%168
11CBM INVESTMENT LLCSaint Paul, MNResidential Mental Retardation Facilities $500K – $1M 5.8%134
12S & A MINNEAPOLIS 1 LLCMinneapolis, MNOffices of Physicians (except Mental Health Specialists) $500K – $1M 7.0%130
13VISIONS INC.Minneapolis, MNCommercial Gravure Printing $250K – $500K 6.5%113
14ESPRESSO SERVICES INCMinneapolis, MNOther Grocery and Related Products Merchant Wholesalers $2.5M – $5M 5.5%110
15UTEPILS INVESTMENTS LLCMinneapolis, MNBreweries $1M – $2.5M 7.5%103
16BRADLEY R BEHNKE GOLF MANAGEMEBuffalo, MNGolf Courses and Country Clubs $250K – $500K 5.0%102
17JAMES PITZNER ENTERPRISES LLCMaplewood, MNHome Health Care Services $250K or less 5.5%100
18WINN LLCOak Park Heights, MNOther Foundation, Structure, and Building Exterior Contractors $1M – $2.5M 1.3%95
19W ZINTL CONSTRUCTION INCOak Park Heights, MNOther Foundation, Structure, and Building Exterior Contractors $1M – $2.5M 1.0%95
20ULTIMATE SPORTS BAR AND GRILLWaite Park, MNDrinking Places (Alcoholic Beverages) $2.5M – $5M 6.0%94
21KOALA TREE TRANSPORTATION LLCSaint Paul, MNSchool and Employee Bus Transportation $250K or less 4.8%91
22901 THIRD STREET LLCMinneapolis, MNFull-Service Restaurants $1M – $2.5M 3.8%90
23FALLS ACQUISITION COMPANY INCLittle Falls, MNMachine Shops $250K – $500K 5.0%87
24MB COMPANIES LLCHam Lake, MNCommercial and Institutional Building Construction $1M – $2.5M 6.3%86
25STELLHER HUMAN SERVICES INC.Bemidji, MNAll Other Professional, Scientific, and Technical Services $250K or less 5.5%80
26LDR HOME CARE LLCCourtland, MNHome Health Care Services $250K – $500K 5.5%80
27COX CULINARY ARTS LLCMinnetrista, MNFull-Service Restaurants $250K – $500K 2.6%80
28NDBC ADMINISTRATIVE SERVICE LBloomington, MNOffices of Other Holding Companies $500K – $1M 9.0%80
291ST CHOICE PROPERTY SERVICES LSaint Paul, MNFacilities Support Services $250K – $500K 7.3%77
30SKIGH DEVELOPMENT LLCSaint Paul, MNServices for the Elderly and Persons with Disabilities $500K – $1M 4.5%77
31AXIS MINNESOTA INC.Saint Paul, MNResidential Mental Retardation Facilities $2.5M – $5M 5.8%76
32J & L HENNUM INCBaudette, MNHotels (except Casino Hotels) and Motels $2.5M – $5M 5.3%75
33AMERICAN MASONRY INCFridley, MNAll Other Specialty Trade Contractors $2.5M – $5M 5.0%75
34ACTIVEAGINGALLIANCECORPORATIONSt Paul, MNHome Health Care Services $250K – $500K 8.3%73
35TOWER CAPITAL LLCSaint Paul, MNLimited-Service Restaurants $2.5M – $5M 5.2%72
36GERHARDSON CHIROPRACTIC LLCWaite Park, MNOffices of Chiropractors $250K – $500K 6.8%71
37ENIVA USA INC.Plymouth, MNMedicinal and Botanical Manufacturing $1M – $2.5M 4.8%71
38SUNLIT BEST GREEN ORGANICS LLCSaint Paul, MN $250K – $500K 7.5%70
39EXPRESS IMAGE INCSaint Paul, MNCommercial Screen Printing $500K – $1M 5.8%70
40MO’S TROPICAL LLCNorth Saint Paul, MNFruit and Vegetable Markets $2.5M – $5M 4.5%70
41CAPITOL LIEN RECORDS & RESEARCSaint Paul, MNOther Activities Related to Real Estate $1M – $2.5M 4.0%69
422210 7TH AVE LLCSaint Paul, MNServices for the Elderly and Persons with Disabilities $1M – $2.5M 4.5%69
43BLACK CAT INVESTMENTS LLCNew Prague, MNLimited-Service Restaurants $250K – $500K 6.9%65
44RUACH LLCChaska, MNLimited-Service Restaurants $500K – $1M 2.8%65
45PARADIGM RESIDENTIAL SERVICESZimmerman, MNOther Residential Care Facilities $500K – $1M 5.3%65
46DIO INVESTMENT INC.St Anthony, MNLessors of Nonresidential Buildings (except Miniwarehouses) $1M – $2.5M 6.5%65
47ALDERON INDUSTRIES LLCHawley, MN $1M – $2.5M 6.8%65
48EVANGELIA WOLD INCORPORATEDWhite Bear Lake, MNHome Health Care Services $250K – $500K 6.9%62
49WOODLANE INCRosemount, MNFull-Service Restaurants $2.5M – $5M 5.0%62
50VALDES LAWN CARE & SNOW REMOVAMinneapolis, MNAll Other Personal Services $250K – $500K 2.0%60
51TZN GROUP LLCMinneapolis, MNCaterers $250K – $500K 8.0%60
52PI SQUARED LLCMankato, MNLimited-Service Restaurants $1M – $2.5M 6.3%60
53WK BROWN LLCMinneapolis, MNConvention and Trade Show Organizers $2.5M – $5M 4.8%60
54NSP HOSPITALITY INC.North Saint Paul, MNFull-Service Restaurants $500K – $1M 5.8%59
55PT FEHU LLCSaint Paul, MNFlower, Nursery Stock, and Florists’ Supplies Merchant Wholesalers $1M – $2.5M 7.0%58
56OPPORTUNITY COMMUNITY SERVICESSaint Paul, MNResidential Mental Retardation Facilities $250K or less 5.5%57
57MINNESOTA SMOOTHIES AND MORE IRoseville, MN $250K – $500K 5.5%56
58AUFDERWORLD CORPORATIONPlymouth, MN $500K – $1M 8.1%56
59PEZZO PER PEZZO – WHITE BEAR LSaint Paul, MNFull-Service Restaurants $250K or less 9.8%55
60PMEP LLCEden Prairie, MNFull-Service Restaurants $500K – $1M 6.0%51
61SERENITY ROCHESTER INC.Rochester, MNBeauty Salons $1M – $2.5M 5.3%51
62HEIMIE’S HABERDASHERY INC.Red Wing, MNMen’s Clothing Stores $250K or less 4.5%50
63SHORELINE CANDY COMPANY LLCExcelsior, MNConfectionery Merchant Wholesalers $250K or less 8.8%50
64BIG CHIEF INC.Fergus Falls, MN $250K – $500K 8.0%50
65FFSM HOLDINGS SC LLCExcelsior, MNConfectionery Merchant Wholesalers $250K – $500K 6.0%50
66MN MAC & CHEESE LLCSaint Paul, MNLimited-Service Restaurants $250K – $500K 6.0%50
67MARC HEU PATISSERIE PARIS LLCSaint Paul, MNBaked Goods Stores $250K – $500K 7.5%50
68EUREKA KIDS INCRochester, MNChild Day Care Services $2.5M – $5M 5.5%50
69LAKE COUNTRY GUTTERS LLCFridley, MNSiding Contractors $250K or less 5.5%48
70WARROAD HOSPITALITY INCWarroad, MNHotels (except Casino Hotels) and Motels $2.5M – $5M 7.0%48
71BLOCK NORTH LLCAitkin, MNFull-Service Restaurants $250K or less 8.0%46
72R&R CULTIVATION LLCNew Hope, MNMushroom Production $250K – $500K 5.5%45
73ADAM JADE VENTURES INC.Watkins, MNHome Health Care Services $500K – $1M 5.5%45
74JACON LLCVadnais Heights, MNOther Heavy and Civil Engineering Construction $1M – $2.5M 2.8%45
75SCHWEGMAN’S CLEANERS LLLPWillmar, MNDrycleaning and Laundry Services (except Coin-Operated) $250K – $500K 5.0%44
76LAKEVILLE BREAKFAST INC.Lakeville, MNFull-Service Restaurants $250K – $500K 5.5%43
77ACMN PROPERTIES LLCSaint Paul, MNHomes for the Elderly $250K or less 4.5%42
78ST. CROIX FITNESS LLCLind Lakes, MNFitness and Recreational Sports Centers $250K or less 9.8%42
79LAKE AREA MEMORY CARE LLCBlaine, MNNursing Care Facilities $250K – $500K 5.3%42
80ACMN PROPERTIES JADE LLCMinneapolis, MNHomes for the Elderly $250K or less 5.0%41
81LCP MEDICAL TECHNOLOGIES LLCRogers, MNSurgical and Medical Instrument Manufacturing $2.5M – $5M 7.0%41
82CHIAL FIREWOOD AND PROPERTY SEChisago City, MNLandscaping Services $250K or less 6.5%40
83TRANSLATIONS INTERNATIONAL INMinneapolis, MNTranslation and Interpretation Services $250K or less 8.8%40
84DORGLASS INC.Minnetonka, MNOther Construction Material Merchant Wholesalers $250K or less 10.0%40
85GARRISON REED LLCChanhassen, MNFull-Service Restaurants $250K or less 8.5%40
86GARRISON REED LLCExcelsior, MNFull-Service Restaurants $250K or less 8.5%40
87CORNERSTONE CUSTOM CONSTRUCTIORamsey, MNNew Single-Family Housing Construction (except Operative Builders) $250K – $500K 9.8%40
88HANDSAW INCSt Cloud, MNAll Other Miscellaneous Wood Product Manufacturing $250K – $500K 6.8%40
89THE BARREL HOUSE INCCoon Rapids, MNFull-Service Restaurants $250K – $500K 4.3%40
90SWEETPUPPY – ST CLOUD LLCSaint Cloud, MN $500K – $1M 5.5%40
91PRYES BREWING COMPANY LLCMinneapolis, MNBreweries $1M – $2.5M 5.5%40
92SOUTHEAST ENTERTAINMENT ENTERPBurnsville, MNAmusement Arcades $1M – $2.5M 6.4%40
93STIEGLBAUER L.L.C.Plymouth, MNPet Care (except Veterinary) Services $2.5M – $5M 5.3%40
94AVENUE KIDS LLCSaint Paul, MNChild Day Care Services $250K or less 7.0%39
95AITKIN AUTO GROUP INCAitkin, MNNew Car Dealers $1M – $2.5M 6.2%39
96ONYX EXTERIORS LLCMoorhead, MNSiding Contractors $250K or less 5.8%38
97ACMN PROPERTIES LLCMinneapolis, MNHomes for the Elderly $250K – $500K 4.5%38
98BGWELLNESS INC.Minneapolis, MNFitness and Recreational Sports Centers $500K – $1M 9.0%38
99WRIGHT FUNERAL HOME INCMoorhead, MNFuneral Homes and Funeral Services $1M – $2.5M 5.0%38
100NORTHERN POWER PRODUCTS INC.Eagan, MNConstruction and Mining (except Oil Well) Machinery and Equipment Merc $2.5M – $5M 8.3%38

Note about SBA lenders near me in Minnesota

When it comes to top Minnesota SBA lenders, it’s a common inquiry whether any of the listed banks are 1) included in the Minnesota preferred lender list, 2) approved lenders in Minnesota, or 3) active participants in the Minnesota SBA Express lending program. These queries center around the ability of a given SBA bank to facilitate small business SBA loans in Minnesota swiftly. The answer is an unequivocal yes. These aren’t your run-of-the-mill banks making only a handful of SBA loans annually; these are institutions well-versed in the intricacies of the SBA 7(a) loan program. They stand out as the top performers in Minnesota, as evidenced by our thorough analysis of thousands of SBA loans each year, leading us to rank lenders based on recent activity.

It’s crucial to note that while some banks may limit their lending to specific regions, there exist a select few highly assertive nationwide SBA lenders that operate nationally. These lenders possess a profound understanding of the SBA program and execute transactions with remarkable speed. Therefore, we advise against restricting your search solely to your home state. Our lender match tool proves invaluable in this regard. By utilizing it, we can identify suitable SBA banks tailored to your specific needs, be it geography, industry, company size, all at no cost or obligation to you. This service aims to save you valuable time and ensure a seamless SBA loan process.