How Bell's Partner Capital Loan Program Helps Professional Service Firms Retain Top Talent
Banker Spotlight Seth Larreau Headshot photo


Professional service firms’ greatest assets are their people, yet it’s becoming increasingly challenging to retain talent. Bell Bank’s Partner Capital Loan Program is helping firms address this issue by handling the equity loans and providing a skilled team to manage all aspects of a partner’s financial life.

“Bell reduces the time partners need to spend on their finances and lets them focus on their job when they’re at work and their family when they’re at home,” remarks Seth Larreau, Bell Bank SVP/private banking officer in White Bear Lake, Minn., who works on the Partner Capital Loan Program with many of his clients.

When professionals in service firms, such as law, medicine, architecture and finance, want to buy in to the business, banks often offer an unsecured loan. While the buy-in will likely be paid off in a few years, it can be a lot to manage when combined with the stress of balancing partner capital calls, personal cash flow management, mortgages, estate planning and insurance.

That’s why you need a bank that will give your partners more than a loan when buying in to the firm. Bell’s Partner Capital Loan Program provides your firm and partners with a coordinated team to manage all things finance, including partner capital requirements, personal cash flow, personal and professional insurance and wealth management planning – and there is no fee for these services.

This holistic approach helps your partners save time, money and reduce stress by creating financial efficiency. Instead of making multiple financial appointments, your partners receive personalized service from one point of contact working with a team of professionals who seamlessly handles everything, including finding the best rates, services and programs. If they buy a boat or cabin, for example, we take care of everything from origination through close and beyond – including discussing potential risks and the best ways to structure asset onboarding.

“With many financial institutions, your firm and partners are left to figure out complicated financial circumstances on your own,” explains Seth. “At Bell, we take that burden off your shoulders by tailoring programs specifically to what your firm and partners need and handling all program administration. Your partners and their spouses can relax and focus on what matters most, knowing their finances are being managed by a team of skilled professionals.”

To retain talent and create more flexible partner equity loan options, contact Seth at 651-783-5233 or



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Deposit and loan products are offered through Bell Bank, Member FDIC. Bell Insurance Services, LLC is a wholly owned subsidiary of Bell Bank. Products and services offered through Bell Insurance or Bell Bank Wealth Management are: Not FDIC insured | No bank guarantee | May lose value | Not a deposit | Not insured by any federal government agency.