Commercial Lenders in Minnesota
Browse 164 lenders serving Minnesota across DSCR, SBA, bridge, construction, hard money, and more.
Minnesota Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
10% - 15% · 25-40% downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
10% - 18% · Reduces equity to 5-15% total downUSDA Business Loans
Variable or fixed, competitive · 10-20% downNon-QM Loans
6.5% - 10% · 10-25% downAll Minnesota Lenders
164 commercial lenders serving Minnesota.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
GBank
SBALAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
KeyBank National Association
SBACLEVELAND, OH
Major regional bank and SBA preferred lender with nationwide commercial banking operations. Offers SBA 7(a) and 504 loans, conventional business lending, commercial real estate, equipment finance, and capital markets services.
Old National Bank
SBAEVANSVILLE, IN
Midwest-based regional bank and SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, commercial real estate financing, treasury management, and wealth management for small and mid-sized businesses.
WBD, Inc.
SBAMadison, WI
Wisconsin-based Certified Development Company (CDC) specializing in SBA 504 loans. Helps small businesses in the Midwest acquire commercial real estate and equipment with long-term, fixed-rate SBA 504 financing.
East West Bank
SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
Centerstone SBA Lending, Inc.
SBALOS ANGELES, CA
Los Angeles-based non-bank SBA 7(a) lender providing personalized financing solutions for small businesses. Specializes in SBA lending with industry-specific expertise and dedicated service.
First National Bank of Pennsylvania
SBAGREENVILLE, PA
One of the oldest banks in the U.S., offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves businesses across Pennsylvania, Ohio, Maryland, and surrounding states.
Minnesota Business Finance Corporation
SBASt. Cloud, MN
St. Cloud, Minnesota-based Certified Development Company specializing in SBA 504 loans. Provides long-term, fixed-rate financing for small businesses in Minnesota to acquire real estate and equipment.
Merchants Bank of Indiana
SBACARMEL, IN
Carmel, Indiana-based SBA Preferred Lender offering faster approvals and flexible SBA 7(a) financing. Provides commercial real estate loans, equipment financing, and business banking services.
Bell Bank
SBAFargo, ND
Fargo, North Dakota-based bank and one of the largest independently owned banks in the nation. Offers SBA 7(a) loans, commercial real estate, equipment financing, and business banking across the Upper Midwest and Arizona.
BankVista
SBASARTELL, MN
Sartell, Minnesota-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves small businesses across central Minnesota with personalized lending.
American National Bank
SBAOmaha, NE
Omaha, Nebraska-based bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business banking. Serves businesses across Nebraska and the Great Plains region.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Commercial Lending in Minnesota
Minnesota is home to 16 Fortune 500 companies, giving the Twin Cities metro a diversified corporate base. The state's strong healthcare, financial services, and retail sectors provide stable demand across multiple CRE asset classes.
Minnesota's non-judicial foreclosure process includes a 6-month redemption period for commercial properties (12 months for agricultural land), which extends the timeline for lenders to realize recoveries on distressed assets. The state's Fiscal Disparities program in the Twin Cities metro shares 40% of commercial-industrial tax base growth across the region, which reduces tax rate volatility for CRE investors. Minnesota's Green Acres and similar programs primarily benefit agricultural land, but the boundary between agricultural and commercial use in suburban fringe areas creates opportunities for transitional CRE development.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).
Lenders by City in Minnesota
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