Business Loans and Credit Lines

Grow your business with local financing.

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.

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.

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Fast, hassle-free equipment financing

Finance the equipment you need through, Western Equipment Finance, a division of Western State Bank. 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

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Find a Western Location

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 am happy I moved my business checking account and treasury management services to Western over 15 years ago. They save my business money, they provide the treasury services my business needs, and the team provides excellent customer service. I appreciate and value my banking relationship with Western State Bank."

Rob Jordahl, President/Owner of Jordahl Custom Homes, 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

"Your guidance and support of Benevilla mean a great deal to me, our organization, and most importantly our clients. "

Conrad Graff, Ex-Officio, Benevilla

"I wanted to reach out to say thank you. Western has been a very good bank to us and this is just another example of the help you provide!"

Chris and Samantha Bachmeier, Bachmeier Homes

"I consider our relationship with Western as a real partnership that adds value to our business."

Jim Szymanski, James Associates

"Chezy has had tremendous growth over the past couple of years and Western has been there every step of the way! We pride ourselves on providing quality video marketing content while being budget conscious. We chose Western to be our bank because of their great service, their ability to scale with Chezy as we’ve grown, and their ability to save us money on our banking services!"

Joe Tjosvold, Founder of Chezy