Commercial Lending Services


You can bank on us for fast, fair, friendly loans.

We offer a full range of loans. We believe banking is about people and relationships. We are a full-service, locally owned, community bank; and we pride ourselves on our ability to quickly respond to our customer’s needs. Credit decisions are made on the local level by experienced, professional bankers who are dedicated to helping their business customers achieve financial success.

Commercial Real Estate Loans

Purchasing or constructing a building is often a financial opportunity for a business owner. Financial Security Bank offers real estate financing for business owners who wish the take advantage of the opportunity to own their building. We offer traditional financing or SBA 504 loans for owner-occupied real estate. We can work with the following types of loans, or please contact us for further questions.

  • Purchases
  • Refinances
  • Construction
  • Land Development

Working Capital Lines of Credit

Business and Agricultural Lines of Credit are available to finance your inventory and working capital needs. These flexible loans provide businesses with a revolving line of credit to draw against. This type of funding is ideal for growing start-up, and seasonal businesses.

Term Loans

We help enable our customers to expand their businesses, implement needed capital improvement plans, and purchase equipment or other fixed assets. We offer flexible rates and terms, which allow us to structure your loan to meet your needs.

SBA Guaranteed Loans

Financial Security Bank is an approved SBA (Small Business Administration) Express Lender. SBA loans are available under several different programs that allow a company to finance inventory and equipment purchases, meet seasonal working capital needs and purchase real estate. Your banker will help you determine if your business would benefit by using any of these programs, and will also work with you to apply for loans through these agencies.

  • 504 Loans 
  • 7a Loans
  • Express Loans

For more information, or if you have questions, please contact us at 320.264.2161 (Kerkhoven), or at 763.424.5888 (Albertville) and ask to speak to one of our lenders. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.

All loans and lines of credit subject to credit approval.