Small Business Administration

Talk to us about your proposal

Bell Bank is a Preferred Lender with the Small Business Administration’s Guaranteed Loan Programs. We’re ready to help your business smoothly navigate the loan process and access the funding you need.

SBA 7(a) loans

These are SBA's primary business loans, with flexible structure, variety of uses, and broad eligibility requirements and credit criteria.

SBA Express loans

The SBA also offers these flexible smaller loans and lines up to $350,000.

SBA 504 loans

SBA 504 loans offer lower down payments, fixed interest rates and longer repayment terms for the purchase or construction of owner-occupied commercial real estate, leasehold improvements and larger equipment purchases.

As an authorized SBA lender, Bell Bank offers you guidance and alternative financing solutions. We give you personal help throughout the process, and strive for expedited closings so you can move forward.

Ready to talk about your small business proposal?

When you visit 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 résumés 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. Small Business Development Centers like and SBDC Minnesota also offer expertise in business plan preparation to help you start, manage and grow your business.

Is Your Insurance Coverage the Best?

Is Your Insurance Coverage the Best?

Whether you want to insure your business, home or car, we’ll help you find the best policy at the best rate, based on what YOU need.

Tips to Help You Grow Your Small Business

Tips to Help You Grow Your Small Business

Find out how to get funding, manage a growing team and more with free online courses from Bell.

How Bell Helped BernBaum’s Grow

How Bell Helped BernBaum’s Grow

When BernBaum’s was expanding – and again when the pandemic hit – Brett and Andrea relied on Bell to guide them through.