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Business Lending Quick Links

Conventional Loans

Conventional Business Loans to Grow Your Business

At 21st Century Bank, we understand that financing can propel your business forward. Whether you aim to expand, invest in your operations, or streamline your capital structure, our conventional business loans provide the robust support you need. These traditional term loans offer straightforward terms: borrow a fixed amount for a specific business purpose and pay it back at a fixed interest rate over a set period. It’s that simple—no surprises, just solid funding to help your business thrive.

Lines of Credit

Fast & Flexible

Need more flexibility beyond a conventional bank loan? Our business lines of credit might be the perfect solution. Many business owners find this option a fast, convenient, and cost-effective way to access short-term funds. You’ll only pay interest on the money you use, making it an excellent tool for managing cash flow and unexpected expenses. Speak with one of our business lenders today to see if a line of credit suits your financial strategy.

Equipment Financing

Invest in Your Growth

Major investments require significant resources, especially when it’s time to purchase new equipment, vehicles, or other capital expenditures. 21st Century Bank is here to support your growth with longer-term financing options designed to fit your business’s needs and goals. Contact us to learn how we can help you finance your next significant investment.

Commercial Real Estate

Secure Your Location

Finding the right location can transform your business, and securing the perfect spot is crucial. 21st Century Bank offers a variety of conventional commercial real estate loans, including commercial loans and Small Business Administration 504 (SBA 504) funding options. Our team of experienced lenders is dedicated to guiding you through the financing process, ensuring that you get the support you need every step of the way.

How Do I Qualify for a Conventional Business Loan?

Contact us today to find out if you qualify for a conventional business loan. Our team will walk you through your options and tailor a financial solution to propel your business to new heights.

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SBA 7(a) Loan Program

If you’re looking for funds to get your new business off the ground, the SBA 7(a) Loan Program might be just what you’re seeking. The SBA 7(a) Loan Program is the SBA’s primary way to provide funding to small businesses. You can get loans of up to $5 million to cover your startup costs, including real estate, equipment, supplies, materials, and more. In addition, you can use these funds to buy or expand an existing business or refinance debt. Talk to one of our experienced lenders today to learn more.

SBA 7(a) loan terms and rates vary based on the type of loan. Loans are available, on average, for up to $5 million. These loans come with a maximum SBA guarantee of 85% for loans up to $150,000 and 75% for loans greater than $150,000. Therefore, utilizing the SBA 7(a) loan will keep your rates within the SBA-approved range. However, loan rates will vary based on the total amount and repayment period

21st Century Bank is approved to offer SBA loan products under SBA’s Preferred Lender/Express programs.

SBA - U.S. Small Business Administration

Expert Support for the Growth of Your Business

Learn more about the tailored business development services we offer to fit your business banking needs. Whether you need to set up a business checking account or create a Commercial Money Market account, our friendly, knowledgeable team is here to help.

Business Development

Tailored for You on the Go

With the 21st Century Bank Mobile App, you can do your business banking when and where you need.   Learn More

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21st Century Bank proudly serves clients located in Minnesota and Northwest Wisconsin. At this time, we are unable to process inquiries or provide banking services to residents or businesses outside of this geographic region.

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