Business Loans and Credit Lines

Grow your business with local financing.

Contact Us to Apply

When you're looking for a business loan, you deserve a lender who addresses your needs with a sense of urgency. We're here to help. As a community bank, we offer local service and decision-making. That means you get faster answers and personalized support.

Our team will serve as your local partner so you can focus on your business. We’re more than just a lender. We’re an advocate for you and your business.

Loan options

Commercial Loans

Use a commercial loan for needs like equipment purchases, building expansion, or refinancing current debt.

Construction Loans

Secure funding for your business’s construction project, from new construction to expansions.

Real Estate Loans

Find the right real estate loan for your business. Whether you’re a contractor, land developer, real estate investor, or owner, we’re here to help.

Business Operating Line of Credit

Choose from revolving and non-revolving lines of credit to help you reach your goals.

Contact us to apply

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Other programs

Our business banking team is experienced with additional financing options available through the following programs:

  • Small Business Administration (SBA) 504 and 7(a) Loan Programs
  • Bureau of Indian Affairs
  • Federal Home Loan Bank
  • Rural Development (USDA)
  • Bank of North Dakota

Contact our team to learn more about or apply for any of these programs.

GET MORE INFORMATION

Fast, hassle-free equipment financing

Finance the equipment you need through our subsidiary company, Western Equipment Finance. Since 1990, they've provided flexible financing programs for new and used equipment in a variety of industries. They consistently rank nationally among the top 100 equipment finance companies and the top 50 bank-affiliated equipment finance companies. 

Learn More

Try Our Commercial Loan Calculator icon

Try Our Commercial Loan Calculator

Secure the right financing for your needs.

Contact our team today for more details.

Find a business banker

"At Western, the personal service is really different. The products are great, but their ultimate personal service really stands out."

Ron Schmitz, Ultimate Transportation

"I have banked with Western State Bank for over 10 years and they have always exceeded my expectations! To be successful in business, I feel it is critical to have a great bank on your side. Western has always been there for me."

Rob Jordahl, President/Co-owner, Meridian Commercial Construction, Inc.

"This is the type of banking relationship a business hopes to achieve with its banker. We look forward to a long-term relationship with Western State Bank."

Clinton O. Shreeve, LC Jacobson & Company