Commercial Loans

A mortgage for new offices. Money to get your idea off the ground. We bring experience and service to support your business goals. Get started with a free business consultation or apply now online.

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Click here to check the status of your loan in the client portal.

Click here to download a Personal Financial Statement (Excel file).

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Benefits
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Local Decisions

All funding choices are made with the Bemidji community in mind.

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Fast Turnaround

Know within a few business days if your loan is approved.

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Access to Federal Loans

We administer Small Business Administration (SBA) and other development loans.

Financing Options

We’ve helped regional businesses – everything from farming to manufacturing to real estate – secure financing for growth:

Operating Capital

  • Get money to start your business
  • Buy your inventory
  • Build a brand or set up a website

Business Acquisition/Expansion Funding

  • Buy out other businesses
  • Merge with competitors
  • Set up new locations
  • Enter new markets or spaces

Inventory Building

  • Pay suppliers
  • Build out a warehouse
  • Grow your customer offerings

Equipment Purchases

  • Buy or lease work vehicles
  • Update factory machinery
  • Add new computers or digital tools

Government Loans

The U.S. Small Business Administration (SBA) and other federal agencies offer low-risk financing for business owners. We are a certified lending partner and can help match you with the right loan.

  • Funding anywhere from $500 to $5.5 million
  • Apply locally through us
  • Loan managed right here in Bemidji
“I’m so glad we stopped in and chose First National. The customer service was outstanding and we felt genuinely welcomed to the area.”

– Joni

Tap Into Local Expertise

Our business team can offer advice and guidance on your organization’s financial health.

Local Expertise