Business Loans

As your lending partner, our goal is to help your business grow. Business loans and lines of credit can do just that. And because Bell State Bank & Trust’s business loan policies and decisions are made locally, you know you will have financing to suit the unique needs of your business. Think of us as your business partner. We offer the following business loans:

  • Lines of credit for working capital
  • Term loans for equipment and expansion
  • Real estate mortgages for commercial properties and investment properties
  • Small Business Administration (SBA) loans
  • Letters of credit

Talk to us about what you and your business need! Contact a commercial lender at Bell State Bank & Trust.

Get Farm & Agribusiness Loans from an Experienced Lender

Farming and agribusiness are a major focus for several of our locations and lenders. Our bankers are the area’s longest-serving group of ag lenders, bringing together more than a century of ag experience among them. We can assist farmers and agribusinesses with various business loans:

  • Operating loans
  • Machinery and equipment loans
  • Real estate loans

Read our latest AgViews newsletter for perspectives on regional agriculture.

Learn about Leasing Options from Bell

Bell offers leasing on equipment for:

  • Business/office
  • Agriculture
  • Medical
  • Construction
  • Transportation/bus

If you need it, we can lease it! Talk to our leasing experts about flexible leasing advantages for your business.

Business Real Estate Loans Help You Expand Your Business

Bell State Bank & Trust offers commercial loans for expansion including, of course, real estate loans to purchase the property you need. If you are interested in real estate investments, we also provide long-term, fixed-rate apartment financing.

We Are a Small Business Administration (SBA) Lender

Bell State Bank & Trust is a participating lender with the Small Business Administration (SBA) Guaranteed Loan Program. These loans provide options for small businesses. Contact us to discuss your loan proposal in detail with one of our business bankers. You should have the following available for review:

  • Business plan
  • Personal financial statement
  • Business financial statement (if available)
  • Collateral available to secure the loan
  • Assumptions used to project your earnings
  • Management resumés of those involved in business operation
  • Pro forma balance sheets showing what the business would look like if the loan were granted

Need Help Writing Your Business Plan? provides free interactive business planners for entrepreneurs. These easy-to-use web tools break down each section of your business plan into a bite sized piece, telling you what to include.



Meet the business bankers who can help you with your business loan.


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