Searching for trusted North Dakota SBA lenders to power your business growth? Our comprehensive directory connects North Dakota entrepreneurs with approved SBA loan providers throughout Fargo, Bismarck, Grand Forks, Minot and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for North Dakota businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your North Dakota small business thrive in the Peace Garden State’s resilient economic landscape.
| Lender name | City | Phone | Website |
|---|---|---|---|
| First United Bank | Adams | (701) 944-2231 | firstunitedonline.com |
| First International Bank & Trust | Alexander | (701) 828-3338 | fibt.com |
| Security First Bank of North Dakota | Almont | (701) 843-8229 | securityfirstbank.bank |
| First State Bank of Harvey | Anamoose | (701) 465-3285 | firstharvey.com |
| First United Bank | Aneta | (701) 326-4545 | firstunitedonline.com |
| BankNorth | Arthur | (701) 967-8914 | ibanknorth.com |
| Hometown Credit Union | Ashley | (701) 288-3439 | hcuonline.com |
| McIntosh County Bank | Ashley | (701) 288-3491 | makeitmcb.com |
| Bank of the West | Beach | (701) 872-4191 | bankofthewest.com |
| First State Bank of Golva | Beach | (701) 872-4444 | fsbofgolva.com |
| Western Cooperative Credit Union | Beach | (701) 872-2228 | wccu.org |
| Dacotah Bank | Belcourt | (701) 477-6143 | dacotahbank.com |
| Turtle Mountain State Bank | Belcourt | (701) 477-5996 | tmstatebank.com |
| Choice Bank | Belfield | (701) 575-8282 | bankwithchoice.com |
| State Bank & Trust of Kenmare | Berthold | (701) 453-3407 | sbtk.com |
| Capital Credit Union | Beulah | (701) 873-2626 | capcu.org |
| First Security Bank-West | Beulah | (701) 873-4301 | firstsecuritybanks.com |
| The Union Bank | Beulah | (701) 873-2900 | theunionbank.com |
| Union State Bank | Beulah | (701) 873-2221 | betterstate.com |
| US Bank | Beulah | (701) 873-2865 | usbank.com |
| The Farmers & Merchants Bank of North Dakota | Binford | (701) 676-2411 | fmbnd.com |
| First Community Credit Union | Bisbee | (701) 656-3261 | myfccu.com |
| First State Bank of Cando | Bisbee | (701) 656-3241 | fsbcando.com |
| BNC National Bank | Bismarck | (800) 262-2265 | bnc.bank |
| Bravera Bank | Bismarck | (877) 483-6811 | bravera.bank |
| Bremer Bank | Bismarck | (800) 908-2265 | bremer.com |
| Capital Credit Union | Bismarck | (800) 735-6922 | capcu.org |
| Choice Bank | Bismarck | (888) 894-1357 | bankwithchoice.com |
| Cornerstone Bank | Bismarck | (888) 297-2100 | cornerstonebanks.net |
| Dakota Community Bank & Trust | Bismarck | (701) 530-9000 or (701) 255-9000 | dakotacommunitybank.com |
| First Community Credit Union | Bismarck | (701) 258-2751 | myfccu.com |
| First International Bank & Trust | Bismarck | (800) 359-8092 | fibt.com |
| First Western Bank & Trust | Bismarck | (701) 255-4400 | firstwestern.bank |
| Gate City Bank | Bismarck | (800) 423-3344 | gatecity.bank |
| Horizon Financial Bank | Bismarck | (701) 751-7274 | horizonfinancialbank.com |
| Kirkwood Bank & Trust Co. | Bismarck | (800) 492-4955 | kirkwoodbank.com |
| Plains Commerce Bank | Bismarck | (701) 751-4749 | plainscommerce.com |
| Railway Credit Union | Bismarck | (701) 222-8736 | railwaycu.com |
| Security First Bank of North Dakota | Bismarck | (701) 222-4444 | securityfirstbank.bank |
| Starion Bank | Bismarck | (888) 258-6050 | starionbank.com |
| US Bank | Bismarck | (800) 872-2657 | usbank.com |
| Wells Fargo Bank | Bismarck | (800) 869-3557 | wellsfargo.com |
| First National Bank and Trust Co. of Bottineau | Bottineau | (701) 228-2236 | firstbottineau.com |
| North Star Community Credit Union | Bottineau | (701) 228-5858 | northstarccu.com |
| Starion Bank | Bottineau | (701) 228-3750 | starionbank.com |
| State Bank of Bottineau | Bottineau | (701) 228-2204 | statebankofbottineau.com |
| Dacotah Bank | Bowbells | (701) 377-2386 | dacotahbank.com |
| Bank Forward | Bowdon | (701) 962-3375 | bankforward.com |
| First International Bank & Trust | Bowdon | (701) 962-3362 | fibt.com |
| Dakota Community Bank & Trust | Bowman | (701) 523-9000 | dakotacommunitybank.com |
| Dakota West Credit Union | Bowman | (701) 523-5479 | dakotawestcu.com |
| Dakota Western Bank | Bowman | (701) 523-5803 or (701) 523-5616 | dwb.bank |
| Wells Fargo Bank | Bowman | (701) 523-3261 | wellsfargo.com |
| BankNorth | Buffalo | (701) 633-5106 | ibanknorth.com |
| United Community Bank of North Dakota | Burlington | (701) 839-3400 | ucbnd.bank |
| North Star Community Credit Union | Butte | (701) 626-7153 | northstarccu.com |
| First State Bank | Buxton | (701) 847-2600 | firststatebanks.com |
| Bravera Bank | Cando | (701) 968-4421 | bravera.bank |
| First State Bank of Cando | Cando | (701) 968-3331 | fsbcando.com |
| First United Bank | Cando | (701) 968-3322 | firstunitedonline.com |
| Bank Forward | Carrington | (701) 652-2852 | bankforward.com |
| Bremer Bank | Carrington | (701) 652-3127 | bremer.com |
| Gate City Bank | Carrington | (701) 652-3147 | gatecity.bank |
| Grant County State Bank | Carson | (701) 622-3491 | grantcountystatebank.com |
| BankNorth | Casselton | (701) 347-4540 | ibanknorth.com |
| Bremer Bank | Casselton | (701) 347-4483 | bremer.com |
| KodaBank | Cavalier | (701) 265-8484 | kodabank.com |
| North Star Community Credit Union | Cavalier | (701) 265-4355 | northstarccu.com |
| First United Bank | Cavalier | (701) 265-8473 | firstunitedonline.com |
| United Valley Bank | Cavalier | (701) 265-8331 | uvbank.net |
| Security First Bank of North Dakota | Center | (701) 794-8758 | securityfirstbank.bank |
| Bank Forward | Cooperstown | (701) 797-2110 | bankforward.com |
| Bravera Bank | Cooperstown | (701) 797-2921 | bravera.bank |
| First United Bank | Cooperstown | (701) 797-3050 | firstunitedonline.com |
| BNC National Bank | Crosby | (701) 965-6076 | bnc.bank |
| First State Bank and Trust | Crosby | (701) 965-6091 | fsbtnd.bank |
| The Bank of Tioga | Crosby | (701) 965-6333 | thebankoftioga.com |
| First United Bank | Crystal | (701) 657-2168 | firstunitedonline.com |
| Bravera Bank | Devils Lake | (701) 665-5000 | bravera.bank |
| Bremer Bank | Devils Lake | (701) 662-4074 | bremer.com |
| First Community Credit Union | Devils Lake | (701) 662-8118 | myfccu.com |
| First United Bank | Devils Lake | (701) 662-4024 | firstunitedonline.com |
| Gate City Bank | Devils Lake | (701) 665-4100 | gatecity.bank |
| Horizon Financial Bank | Devils Lake | (701) 665-2020 | horizonfinancialbank.com |
| North Star Community Credit Union | Devils Lake | (701) 858-9300 | northstarccu.com |
| US Bank | Devils Lake | (701) 662-9292 | usbank.com |
| Western State Bank | Devils Lake | (701) 662-4936 | westernbanks.com |
| Bank of the West | Dickinson | (701) 483-0801 | bankofthewest.com |
| Bravera Bank | Dickinson | (877) 483-6811 | bravera.bank |
| Choice Bank | Dickinson | (701) 483-8282 | bankwithchoice.com |
| Cornerstone Bank | Dickinson | (701) 456-0700 | cornerstonebanks.net |
| Dacotah Bank | Dickinson | (701) 225-1200 | dacotahbank.com |
| Dakota Community Bank & Trust | Dickinson | (701) 227-4000 or (701) 483-8000 | dakotacommunitybank.com |
| Gate City Bank | Dickinson | (701) 456-7220 | gatecity.bank |
| Kirkwood Bank & Trust Co. | Dickinson | (701) 483-1962 | kirkwoodbank.com |
| US Bank | Dickinson | (701) 227-1233 | usbank.com |
| Wells Fargo Bank | Dickinson | (701) 483-3333 | wellsfargo.com |
| Western Cooperative Credit Union | Dickinson | (701) 227-0188 | wccu.org |
| United Community Bank of North Dakota | Drake | (701) 465-3231 | ucbnd.bank |
| KodaBank | Drayton | (701) 454-3317 | kodabank.com |
| Starion Bank | Dunseith | (701) 244-5795 | starionbank.com |
| Heartland State Bank | Edgeley | (701) 493-2817 | heartlandstatebank.com |
| Citizens State Bank of Lankin | Edinburg | (701) 993-8625 | citizensstatebank-nd.com |
| Citizens State Bank of Lankin | Edmore | (701) 644-2231 | citizensstatebank-nd.com |
| First International Bank & Trust | Elgin | (701) 584-2525 | fibt.com |
| Choice Bank | Ellendale | (701) 349-8282 | bankwithchoice.com |
| Starion Bank | Ellendale | (701) 349-3213 | starionbank.com |
| BankNorth | Enderlin | (701) 437-2100 | ibanknorth.com |
| Peoples State Bank | Fairmount | (701) 474-5515 | peoples-state.com |
| Alerus Financial | Fargo | (888) 409-5375 | alerus.com |
| American Federal Bank | Fargo | (800) 770-6605 | americanfederalbank.com |
| Aspire Bank | Fargo | (701) 293-3662 | aspirebanks.com |
| Bank Forward | Fargo | (701) 293-9540 | bankforward.com |
| Bank of the West | Fargo | (844) 222-2689 | bankofthewest.com |
| Bell Bank | Fargo | (800) 450-8949 | bell.bank |
| Border Bank | Fargo | (701) 282-4598 | border.bank |
| Bremer Bank | Fargo | (800) 908-2265 | bremer.com |
| Capital Credit Union | Fargo | (701) 282-2139 | capcu.org |
| Choice Bank | Fargo | (701) 356-9700 | bankwithchoice.com |
| Cornerstone Bank | Fargo | (701) 364-9630 | cornerstonebanks.net |
| First Community Credit Union | Fargo | (701) 282-9011 | myfccu.com |
| First International Bank & Trust | Fargo | (800) 359-8092 | fibt.com |
| First United Bank | Fargo | (701) 280-2292 | firstunitedonline.com |
| First Western Bank & Trust | Fargo | (701) 364-9040 | firstwestern.bank |
| Gate City Bank | Fargo | (800) 423-3344 | gatecity.bank |
| Starion Bank | Fargo | (888) 258-6050 | starionbank.com |
| Town & Country Credit Union | Fargo | (800) 872-6358 | townandcountry.org |
| US Bank | Fargo | (800) 872-2657 | usbank.com |
| VISIONBank | Fargo | (877) 857-2020 | visionbanks.com |
| Wells Fargo Bank | Fargo | (800) 869-3557 | wellsfargo.com |
| Western State Bank | Fargo | (701) 356-9800 | westernbanks.com |
| First International Bank & Trust | Fessenden | (701) 547-3191 | fibt.com |
| Hometown Community Bank | Fingal | (701) 924-8824 | secure.hcbmn.com |
| Bravera Bank | Finley | (701) 524-1921 | bravera.bank |
| Grant County State Bank | Flasher | (701) 597-3807 | grantcountystatebank.com |
| Bremer Bank | Fordville | (701) 229-3291 | bremer.com |
| Stock Growers Bank | Forman | (701) 724-3216 | stockgrowers.bank |
| First Community Credit Union | Fort Totten | (701) 766-460 | myfccu.com |
| Dakota Heritage Bank of North Dakota | Gackle | (701) 485-3391 | onlinebanking.dhbanknd.com |
| Dakota Heritage Bank of North Dakota | Galesburg | (701) 488-2211 | onlinebanking.dhbanknd.com |
| BNC National Bank | Garrison | (701) 463-2888 | bnc.bank |
| TruCommunity Bank | Garrison | (701) 463-2262 | trucommunity.bank |
| Dakota Community Bank & Trust | Glen Ullin | (701) 348-3001 | dakotacommunitybank.com |
| The Union Bank | Glen Ullin | (701) 348-3613 | theunionbank.com |
| Western Cooperative Credit Union | Glen Ullin | (701) 348-3832 | wccu.org |
| First State Bank of Golva | Golva | (701) 872-3656 | fsbofgolva.com |
| Bremer Bank | Grafton | (701) 352-2410 | bremer.com |
| Choice Bank | Grafton | (701) 352-0242 | bankwithchoice.com |
| First United Bank | Grafton | (701) 352-3668 | firstunitedonline.com |
| North Star Community Credit Union | Grafton | (701) 379-2002 | northstarccu.com |
| US Bank | Grafton | (701) 352-1443 | usbank.com |
| Wells Fargo Bank | Grafton | (701) 352-1250 | wellsfargo.com |
| Alerus Financial | Grand Forks | (888) 409-5375 | alerus.com |
| American Federal Bank | Grand Forks | (701) 775-1133 | americanfederalbank.com |
| Bank Forward | Grand Forks | (800) 450-3115 | bankforward.com |
| Bremer Bank | Grand Forks | (800) 908-2265 | bremer.com |
| Choice Bank | Grand Forks | (888) 894-1357 | bankwithchoice.com |
| First Community Credit Union | Grand Forks | (701) 772-9960 | myfccu.com |
| First International Bank & Trust | Grand Forks | (701) 757-6500 | fibt.com |
| First State Bank | Grand Forks | (701) 746-7766 | firststatebanks.com |
| Frandsen Bank & Trust | Grand Forks | (701) 780-7700 | frandsenbank.com |
| Gate City Bank | Grand Forks | (800) 423-3344 | gatecity.bank |
| KodaBank | Grand Forks | (701) 620-3100 | kodabank.com |
| United Valley Bank | Grand Forks | (701) 402-0253 or (701) 780-9757 | uvbank.net |
| US Bank | Grand Forks | (800) 872-2657 | usbank.com |
| Wells Fargo Bank | Grand Forks | (800) 869-3557 | wellsfargo.com |
| Dakota Heritage Bank of North Dakota | Grandin | (701) 484-5351 | onlinebanking.dhbanknd.com |
| Merchants Bank | Granville | (701) 728-6827 | merchantsbankrugby.com |
| Dakota West Credit Union | Grenora | (701) 694-3373 | dakotawestcu.com |
| Stock Growers Bank | Gwinner | (701) 678-2413 | stockgrowers.bank |
| The Union Bank | Halliday | (701) 938-4311 | theunionbank.com |
| KodaBank | Hamilton | (701) 265-8228 | kodabank.com |
| First Community Credit Union | Hankinson | (701) 242-7644 | myfccu.com |
| Lincoln State Bank | Hankinson | (701) 242-7292 | lsbhank.com |
| Bank Forward | Hannaford | (701) 769-2121 | bankforward.com |
| Dakota Heritage Bank of North Dakota | Harvey | (701) 324-4611 | onlinebanking.dhbanknd.com |
| First International Bank & Trust | Harvey | (701) 324-4661 | fibt.com |
| First State Bank of Harvey | Harvey | (701) 324-2285 | firstharvey.com |
| Harwood State Bank | Harwood | (701) 282-3518 | harwoodstatebank.com |
| Aspire Bank | Hatton | (701) 543-3121 | aspirebanks.com |
| The Goose River Bank | Hatton | (701) 543-3013 | gooseriverbank.com |
| Bank of Hazelton | Hazelton | (701) 782-6295 | bankofhazelton.net |
| Hometown Credit Union | Hazelton | (701) 782-6841 | hcuonline.com |
| Capital Credit Union | Hazen | (701) 748-6868 | capcu.org |
| The Union Bank | Hazen | (701) 748-2900 | theunionbank.com |
| Union State Bank | Hazen | (701) 748-2233 | betterstate.com |
| Dakota Community Bank & Trust | Hebron | (701) 878-4416 | dakotacommunitybank.com |
| Western Cooperative Credit Union | Hebron | (701) 878-4063 | wccu.org |
| Dacotah Bank | Hettinger | (701) 567-4531 | dacotahbank.com |
| Dakota Western Bank | Hettinger | (701) 567-4511 | dwb.bank |
| Gate City Bank | Hettinger | (701) 567-4331 | gatecity.bank |
| Dakota Plains Federal Credit Union | Hettinger | (701) 567-2153 | dakotaplainsfcu.com |
| Dakota Heritage Bank of North Dakota | Hillsboro | (701) 636-4444 | onlinebanking.dhbanknd.com |
| The Goose River Bank | Hillsboro | (701) 636-5500 | gooseriverbank.com |
| First United Bank | Hoople | (701) 894-6123 | firstunitedonline.com |
| Dakota Heritage Bank of North Dakota | Hope | (701) 945-2397 | onlinebanking.dhbanknd.com |
| Dakota Heritage Bank of North Dakota | Hunter | (701) 874-2161 | onlinebanking.dhbanknd.com |
| Bank Forward | Jamestown | (701) 251-2040 | bankforward.com |
| Dacotah Bank | Jamestown | (701) 952-6600 | dacotahbank.com |
| First Community Credit Union | Jamestown | (701) 252-0360 | myfccu.com |
| Gate City Bank | Jamestown | (701) 253-5000 | gatecity.bank |
| Unison Bank | Jamestown | (701) 253-5600 | unisonbank.com |
| US Bank | Jamestown | (701) 253-2733 | usbank.com |
| Wells Fargo Bank | Jamestown | (701) 251-2540 | wellsfargo.com |
| Dakota Heritage Bank of North Dakota | Jud | (701) 685-2211 | onlinebanking.dhbanknd.com |
| State Bank & Trust of Kenmare | Kenmare | (701) 385-4287 | sbtk.com |
| Town & Country Credit Union | Kenmare | (701) 385-4051 | townandcountry.org |
| Bravera Bank | Killdeer | (701) 764-5838 | bravera.bank |
| First International Bank & Trust | Killdeer | (701) 76-5666 | fibt.com |
| Kindred State Bank | Kindred | (701) 428-9110 | kindredstatebank.com |
| Heartland State Bank | Kulm | (701) 647-2712 | heartlandstatebank.com |
| Hometown Credit Union | Kulm | (701) 647-2448 | hcuonline.com |
| First Community Credit Union | Lakota | (701) 247-2759 | myfccu.com |
| State Bank of Lakota | Lakota | (701) 247-2413 | statebankoflakota.com |
| BankNorth | LaMoure | (701) 883-5321 | ibanknorth.com |
| Choice Bank | LaMoure | (701) 883-8282 | bankwithchoice.com |
| Choice Bank | Langdon | (701) 256-2141 | bankwithchoice.com |
| Farmers and Merchants State Bank | Langdon | (701) 256-5431 | fmbanklangdon.com |
| US Bank | Langdon | (701) 256-2702 | usbank.com |
| Citizens State Bank of Lankin | Lankin | (701) 593-6333 | citizensstatebank-nd.com |
| The Citizens State Bank at Mohall | Lansford | (701) 784-5571 | csbmsl.com |
| Bremer Bank | Larimore | (701) 343-2324 | bremer.com |
| First Community Credit Union | Larimore | (701) 343-6473 | myfccu.com |
| United Community Bank of North Dakota | Leeds | (701) 466-2000 | ucbnd.bank |
| Bank of the West | Lidgerwood | (701) 538-4545 | bankofthewest.com |
| Lincoln State Bank | Lidgerwood | (701) 538-4116 | lsbhank.com |
| Dakota Community Bank & Trust | Lincoln | (701) 255-6500 | dakotacommunitybank.com |
| Hometown Credit Union | Lincoln | (701) 751-1613 | hhcuonline.com |
| BNC National Bank | Linton | (701) 254-4625 | bnc.bank |
| Unison Bank | Linton | (701) 254-4453 | unisonbank.com |
| BankNorth | Lisbon | (701) 683-210 | ibanknorth.com |
| Bremer Bank | Lisbon | (701) 683-5233 | bremer.com |
| Stock Growers Bank | Lisbon | (701) 683-5000 | |
| US Bank | Lisbon | (701) 683-4179 | usbank.com |
| North Star Community Credit Union | Maddock | (701) 438-2222 | northstarccu.com |
| First United Bank | Maddock | (701) 438-2828 | firstunitedonline.com |
| Cornerstone Bank | Makoti | (701) 726-5693 | cornerstonebanks.net |
| BNC National Bank | Mandan | (701) 663-5448 | bnc.bank |
| Bravera Bank | Mandan | (701) 663-0299 | bravera.bank |
| Capital Credit Union | Mandan | (701) 255-0042 | capcu.org |
| Dakota Community Bank & Trust | Mandan | (701) 663-8000 | dakotacommunitybank.com |
| Gate City Bank | Mandan | (701) 355-7680 | gatecity.bank |
| Railway Credit Union | Mandan | (701) 667-9500 | railwaycu.com |
| Security First Bank of North Dakota | Mandan | (701) 667-7000 | securityfirstbank.bank |
| Starion Bank | Mandan | (701) 663-6434 | starionbank.com |
| Wells Fargo Bank | Mandan | (701) 667-1501 | wellsfargo.com |
| Merchants Bank | Mapleton | (701) 612-0612 | merchantsbankrugby.com |
| BankNorth | Marion | (701) 669-2293 | ibanknorth.com |
| TruCommunity Bank | Max | (701) 679-2140 | trucommunity.bank |
| First State Bank | Mayville | (701) 788-9030 | firststatebanks.com |
| Gate City Bank | Mayville | (701) 786-2219 | gatecity.bank |
| The Goose River Bank | Mayville | (701) 788-3110 | gooseriverbank.com |
| Bravera Bank | McClusky | (701) 363-2265 | bravera.bank |
| The Farmers & Merchants Bank of North Dakota | McVille | (701) 322-4324 | fmbnd.com |
| First State Bank of Golva | Medora | (701) 623-5000 | fsbofgolva.com |
| First United Bank | Michigan | (701) 259-2112 | firstunitedonline.com |
| First Community Credit Union | Milnor | (701) 427-5246 | myfccu.com |
| Stock Growers Bank | Milnor | (701) 427-5212 | |
| Affinity First Federal Credit Union | Minot | (701) 857-5541 | affinityfcund.com |
| Bremer Bank | Minot | (800) 908-2265 | bremer.com |
| Dacotah Bank | Minot | (701) 852-1200 | dacotahbank.com |
| First International Bank & Trust | Minot | (800) 359-8092 | fibt.com |
| First Western Bank & Trust | Minot | (701) 852-3711 | firstwestern.bank |
| Gate City Bank | Minot | (800) 423-3344 | gatecity.bank |
| North Star Community Credit Union | Minot | (701) 858-9300 | northstarccu.com |
| Peoples State Bank of Velva | Minot | (701) 852-0328 | psbvelva.com |
| Town & Country Credit Union | Minot | (800) 872-6358 | townandcountry.org |
| United Community Bank of North Dakota | Minot | (701) 839-3500 | ucbnd.bank |
| US Bank | Minot | (800) 872-2657 | usbank.com |
| Wells Fargo Bank | Minot | (800) 869-3557 | wellsfargo.com |
| KodaBank | Minto | (701) 248-3242 | kodabank.com |
| Dakota West Credit Union | Mohall | (701) 756-6883 | dakotawestcu.com |
| Gate City Bank | Mohall | (701) 756-6811 | gatecity.bank |
| The Citizens State Bank at Mohall | Mohall | (701) 756-6364 | csbmsl.com |
| Commercial Bank of Mott | Mott | (701) 824-2593 | cbmott.com |
| Horizon Financial Bank | Munich | (701) 682-5331 | horizonfinancialbank.com |
| First Community Credit Union | Napoleon | (701) 754-2475 | myfccu.com |
| Stock Growers Bank | Napoleon | (701) 754-2226 | stockgrowers.bank |
| KodaBank | Neche | (701) 886-7521 | kodabank.com |
| Bravera Bank | New England | (701) 579-4841 | bravera.bank |
| Dakota West Credit Union | New England | (701) 579-4708 | dakotawestcu.com |
| Dakota Community Bank & Trust | New Leipzig | (701) 584-2075 | dakotacommunitybank.com |
| Bank Forward | New Rockford | (701) 947-2421 | bankforward.com |
| Capital Credit Union | New Salem | (701) 843-7504 | capcu.org |
| Security First Bank of North Dakota | New Salem | (701) 843-7521 | securityfirstbank.bank |
| Cornerstone Bank | New Town | (701) 627-4717 | cornerstonebanks.net |
| Dakota West Credit Union | New Town | (701) 627-3737 | dakotawestcu.com |
| Peoples State Bank | Newburg | (701) 272-6134 | |
| Alerus Financial | Northwood | (701) 587-5101 | alerus.com |
| American Federal Bank | Northwood | (701) 587-5333 | americanfederalbank.com |
| Bravera Bank | Northwood | (701) 587-5921 | bravera.bank |
| First Community Credit Union | Northwood | (701) 587-5519 | myfccu.com |
| BankNorth | Oakes | (701) 742-2694 | ibanknorth.com |
| First Community Credit Union | Oakes | (701) 742-2376 | myfccu.com |
| Starion Bank | Oakes | (701) 742-2112 | starionbank.com |
| Horizon Financial Bank | Osnabrock | (701) 496-82 | horizonfinancialbank.com |
| Hometown Community Bank | Page | (701) 668-2261 | secure.hcbmn.com |
| Citizens State Bank of Lankin | Park River | (701) 284-7272 | citizensstatebank-nd.com |
| First United Bank | Park River | (701) 284-7244 | firstunitedonline.com |
| Gate City Bank | Park River | (800) 423-3344 | gatecity.bank |
| Cornerstone Bank | Parshall | (701) 862-3131 | cornerstonebanks.net |
| KodaBank | Pembina | (701) 825-6289 | kodabank.com |
| First United Bank | Petersburg | (701) 345-8282 | firstunitedonline.com |
| Cornerstone Bank | Plaza | (701) 497-3379 | cornerstonebanks.net |
| First Community Credit Union | Portland | (701) 788-3025 | myfccu.com |
| First State Bank | Portland | (701) 88-3791 | firststatebanks.com |
| Liberty State Bank | Powers Lake | (701) 464-5421 | libertystateplnd.com |
| First State Bank and Trust | Ray | (701) 568-3321 | fsbtnd.bank |
| Western Cooperative Credit Union | Ray | (701) 568-3663 | wccu.org |
| Dakota Western Bank | Regent | (701) 563-4900 | dwb.bank |
| Dakota Western Bank | Rhame | (701) 279-5534 | dwb.bank |
| First Security Bank-West | Robinson | (701) 392-8411 | firstsecuritybanks.com |
| First State Bank of Cando | Rocklake | (701) 266-5528 | fsbcando.com |
| Rolette State Bank | Rolette | (701) 246-3395 | rolettestatebank.com |
| Dacotah Bank | Rolla | (701) 477-3175 | dacotahbank.com |
| Starion Bank | Rolla | (701) 477-8890 | starionbank.com |
| Bremer Bank | Rugby | (701) 776-5228 | bremer.com |
| First International Bank & Trust | Rugby | (701) 776-2700 | fibt.com |
| Merchants Bank | Rugby | (701) 776-5811 | merchantsbankrugby.com |
| North Star Community Credit Union | Rugby | (701) 776-5869 | northstarccu.com |
| First United Bank | Rugby | (701) 776-5766 | firstunitedonline.com |
| Stock Growers Bank | Rutland | (701) 724-3066 | |
| Dakota Western Bank | Scranton | (701) 275-6300 | dwb.bank |
| First United Bank | Sharon | (701) 524-1420 | firstunitedonline.com |
| The Citizens State Bank at Mohall | Sherwood | (701) 459-2258 | csbmsl.com |
| First Community Credit Union | St. John | (701) 477-5655 | myfccu.com |
| BNC National Bank | Stanley | (701) 628-2808 | bnc.bank |
| Bravera Bank | Stanley | (701) 628-3131 | bravera.bank |
| Town & Country Credit Union | Stanley | (701) 628-2114 | townandcountry.org |
| Union State Bank | Stanton | (701) 745-3245 | betterstate.com |
| Choice Bank | Steele | (701) 475-2301 | bankwithchoice.com |
| First Community Credit Union | Steele | (701) 475-2716 | myfccu.com |
| Strasburg State Bank | Strasburg | (701) 336-2665 | strasburgstatebank.com |
| Dakota Heritage Bank of North Dakota | Streeter | (701) 424-3373 | onlinebanking.dhbanknd.com |
| Dakota Community Bank & Trust | Taylor | (701) 974-2101 | dakotacommunitybank.com |
| First State Bank | Thompson | (701) 599-2600 | firststatebanks.com |
| The Bank of Tioga | Tioga | (701) 664-3388 | thebankoftioga.com |
| Western Cooperative Credit Union | Tioga | (701) 664-2666 | wccu.org |
| North Star Community Credit Union | Tolna | (701) 262-4726 | northstarccu.com |
| The Farmers & Merchants Bank of North Dakota | Tolna | (701) 262-4511 | fmbnd.com |
| Merchants Bank | Towner | (701) 537-5922 | merchantsbankrugby.com |
| Dakota West Credit Union | Turtle Lake | (701) 448-9220 | dakotawestcu.com |
| TruCommunity Bank | Turtle Lake | (701) 448-2323 | trucommunity.bank |
| Bravera Bank | Underwood | (701) 442-3722 | bravera.bank |
| Merchants Bank | Upham | (701) 768-2522 | merchantsbankrugby.com |
| Bank Forward | Valley City | (701) 845-1220 | bankforward.com |
| Dacotah Bank | Valley City | (701) 845-2712 | dacotahbank.com |
| First Community Credit Union | Valley City | (701) 845-4647 | myfccu.com |
| Wells Fargo Bank | Valley City | (701) 845-2210 | wellsfargo.com |
| North Star Community Credit Union | Velva | (701) 338-2029 | northstarccu.com |
| Peoples State Bank of Velva | Velva | (701) 338-2821 | psbvelva.com |
| American Federal Bank | Wahpeton | (701) 642-8434 | americanfederalbank.com |
| Bell Bank | Wahpeton | (701) 672-2265 | bell.bank |
| Bremer Bank | Wahpeton | (701) 642-6403 | bremer.com |
| First Community Credit Union | Wahpeton | (701) 642-2020 | myfccu.com |
| Gate City Bank | Wahpeton | (701) 671-4700 | gatecity.bank |
| Peoples State Bank | Wahpeton | (701) 642-2900 | peoples-state.com |
| US Bank | Wahpeton | (701) 642-9577 | usbank.com |
| Wells Fargo Bank | Wahpeton | (701) 642-2611 | wellsfargo.com |
| Choice Bank | Walhalla | (701) 549-3761 | bankwithchoice.com |
| KodaBank | Walhalla | (701) 549-3130 | kodabank.com |
| Dakota West Credit Union | Washburn | (701) 462-8187 | dakotawestcu.com |
| TruCommunity Bank | Washburn | (701) 462-3232 | trucommunity.bank |
| BNC National Bank | Watford City | (701) 444-6477 | bnc.bank |
| Cornerstone Bank | Watford City | (701) 444-6411 | cornerstonebanks.net |
| Dakota West Credit Union | Watford City | (701) 444-6484 | dakotawestcu.com |
| First International Bank & Trust | Watford City | (701) 842-2381 | fibt.com |
| Alerus Financial | West Fargo | (701) 280-5000 | alerus.com |
| Bell Bank | West Fargo | (701) 282-4403 | bell.bank |
| Choice Bank | West Fargo | (701) 277-9258 | bankwithchoice.com |
| First International Bank & Trust | West Fargo | (701) 281-2700 | fibt.com |
| First Western Bank & Trust | West Fargo | (701) 551-1320 | firstwestern.bank |
| Gate City Bank | West Fargo | (800) 423-3344 | gatecity.bank |
| Town & Country Credit Union | West Fargo | (701) 356-1880 | townandcountry.org |
| VISIONBank | West Fargo | (701) 354-2300 | visionbanks.com |
| Wells Fargo Bank | West Fargo | (701) 433-3660 | wellsfargo.com |
| Western State Bank | West Fargo | (701) 277-5003 | westernbanks.com |
| Peoples State Bank | Westhope | (701) 245-6407 | |
| American State Bank & Trust Co. of Williston | Williston | (800) 486-8173 | asbt.com |
| First International Bank & Trust | Williston | (800) 359-8092 | fibt.com |
| First State Bank and Trust | Williston | (701) 577-2113 | fsbtnd.bank |
| Gate City Bank | Williston | (701) 774-7300 | gatecity.bank |
| US Bank | Williston | (701) 572-3744 | usbank.com |
| Western Cooperative Credit Union | Williston | (701) 572-4000 | wccu.org |
| North Star Community Credit Union | Willow City | (701) 366-4508 | northstarccu.com |
| The Union Bank | Wilton | (701) 734-6316 | theunionbank.com |
| Bank Forward | Wimbledon | (701) 435-2411 | bankforward.com |
| First Community Credit Union | Wishek | (701) 452-2245 | myfccu.com |
| Unison Bank | Wishek | (701) 452-2314 | unisonbank.com |
| Lincoln State Bank | Wyndmere | (701) 439-2243 | lsbhank.com |
| McIntosh County Bank | Zeeland | (701) 423-5616 | makeitmcb.com |
| Microlenders | |||
| Lake Agassiz Development Group | Statewide | (701) 235-1197 | lakeagassiz.com |
| CDC Lenders | |||
| Dakota Business Lending | Statewide | (701) 293-8892 | dakotabusinesslending.com |
| Central Minnesota Development Company | Cass and Grand Forks County | (763) 784-3337 | cmdcbusinessloans.com |
| Lake Agassiz Development Group | Statewide | (701) 235-1197 | lakeagassiz.com |
| Lewis & Clark Development Group | Statewide | (701) 667-7600 | lcdgroup.org |
| Minnesota Business Finance Corporation | Statewide | (320) 258-5000 | mbfc.org |
Frequently Asked Questions
Q: What are SBA loans and how do they work in North Dakota?
A: SBA loans are government-backed loans provided through approved lenders in North Dakota. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to North Dakota small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables North Dakota entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to North Dakota businesses?
A: North Dakota businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in North Dakota?
A: To qualify for an SBA loan in North Dakota, businesses typically need:
- For-profit operation based in North Dakota
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do North Dakota SBA lenders support businesses in the agricultural technology and value-added agriculture sectors?
A: North Dakota’s agricultural heritage has created specialized SBA lending expertise in these sectors. Several North Dakota lenders have developed industry-specific loan packages designed for precision agriculture technology developers, farm equipment innovators, specialty crop processors, and value-added food manufacturers. These lenders understand the unique capital needs, seasonal considerations, and growth trajectories of agricultural businesses and can structure loans accordingly. Some North Dakota SBA lenders coordinate with organizations like the North Dakota Department of Agriculture, the Agricultural Products Utilization Commission, and the North Dakota State University Extension Service to provide comprehensive support. These specialized lending programs have helped strengthen North Dakota’s agricultural innovation ecosystem by financing businesses that complement the state’s robust farming operations, with particular attention to companies developing technologies that improve efficiency, sustainability, and profitability in agricultural production. As North Dakota continues evolving beyond commodity production toward higher-value agricultural products and technologies, these lenders provide crucial capital that helps entrepreneurs transform the state’s agricultural economy while creating new market opportunities for North Dakota’s farmers and ranchers.
Q: Are there special SBA loan programs for North Dakota’s energy sector businesses?
A: Yes, North Dakota’s energy leadership has influenced local SBA lending practices. Several North Dakota lenders offer tailored loan packages for energy service companies, equipment suppliers, technology developers, and specialized contractors serving both conventional and renewable energy sectors. These lenders understand the cyclical nature of energy markets and can structure loans to accommodate industry patterns. Some North Dakota SBA lenders coordinate with organizations like the North Dakota Department of Mineral Resources, the EmPower North Dakota Commission, and the state’s energy research centers to help businesses access both financing and technical assistance. These specialized lending programs have helped strengthen North Dakota’s energy ecosystem by financing businesses that support the state’s oil and gas production while also enabling the growth of renewable energy development. As North Dakota’s energy landscape continues diversifying to include more wind, solar, and other renewable sources alongside its traditional strength in oil and gas, these lenders have developed expertise in helping companies navigate this transition through strategic capital investments that improve resilience and create opportunities throughout the state’s energy economy.
Q: How do North Dakota SBA lenders help businesses in rural communities and small towns?
A: North Dakota’s predominantly rural character has created specialized lending expertise for businesses outside major population centers. Several North Dakota SBA lenders offer industry-specific loan packages designed for main street retailers, service providers, healthcare practices, and manufacturers in the state’s numerous small communities. These lenders understand the unique challenges and opportunities of rural entrepreneurship and can structure loans accordingly. Some North Dakota lenders coordinate with organizations like the Center for Rural Health, the Rural Business-Cooperative Service, and regional economic development corporations to provide comprehensive support. These specialized lending programs have helped strengthen North Dakota’s rural economies by financing businesses that provide essential services, create local employment, and enhance quality of life in small communities. From grocery stores that ensure food access in remote areas to manufacturing operations that provide stable employment to healthcare practices that improve service availability, these lenders have developed expertise in financing businesses that serve as anchors in their communities. As rural demographics continue evolving, these lenders help entrepreneurs develop innovative business models that address the changing needs of North Dakota’s small towns while creating economic opportunities that help retain population and attract new residents.
Q: Can unmanned aerial systems (UAS) and drone technology businesses in North Dakota access specialized SBA financing?
A: Yes, North Dakota’s leadership in UAS technology benefits from specialized SBA lending expertise. Several North Dakota lenders offer tailored loan packages for drone manufacturers, sensor developers, software companies, service providers, and other businesses in this emerging sector. These lenders understand the unique regulatory considerations, capital needs, and growth trajectories of UAS businesses and can structure loans accordingly. Some North Dakota SBA lenders coordinate with organizations like the Northern Plains UAS Test Site, the Grand Sky UAS Business Park, and the state’s Autonomous Systems research initiatives to provide comprehensive support. These specialized programs have supported North Dakota’s position as a national leader in drone technology by financing businesses that are developing innovative applications for agriculture, energy, infrastructure inspection, and other sectors. From hardware manufacturers to software developers to specialized service providers, these lenders help finance the businesses that are building North Dakota’s reputation as the “Silicon Valley of Drones” while creating high-skill employment opportunities that attract and retain talent in the state. As commercial drone applications continue expanding, these lenders provide crucial capital that helps entrepreneurs navigate this rapidly evolving industry.
Q: How do North Dakota SBA lenders support Native American-owned businesses and tribal enterprises?
A: North Dakota’s significant Native American population has led to specialized lending approaches for Indigenous entrepreneurs and tribal enterprises. Several North Dakota SBA lenders have developed expertise in navigating the unique legal and jurisdictional considerations involved in financing businesses on or near tribal lands. These lenders often coordinate with organizations like the North Dakota Indian Business Alliance, the Native American Development Center, and tribal economic development offices to provide culturally responsive support. Some North Dakota lenders participate in the SBA’s 8(a) Business Development program and other initiatives specifically designed to support Native-owned businesses. These specialized lending programs align with North Dakota’s commitment to tribal economic development by providing capital access that respects tribal sovereignty while helping Indigenous entrepreneurs leverage their unique cultural knowledge and community connections to create sustainable businesses. From tourism enterprises that showcase tribal heritage to retail operations that serve reservation communities to construction companies that build essential infrastructure, these lenders help finance diverse business ventures that strengthen tribal economies while creating pathways to prosperity for Native American entrepreneurs.
Q: Are there specialized SBA loan programs for North Dakota’s manufacturing and advanced materials businesses?
A: Yes, North Dakota’s growing manufacturing sector has influenced local SBA lending practices. Several North Dakota SBA lenders have developed expertise in financing equipment manufacturers, metal fabricators, food processors, composite materials developers, and other specialized producers. These lenders understand the capital-intensive nature of manufacturing and can structure loans for equipment, facilities, and technology adoption. Some North Dakota lenders coordinate with organizations like Impact Dakota (the state’s manufacturing extension partnership) and the North Dakota Trade Office to provide comprehensive support. These specialized lending programs have helped strengthen North Dakota’s manufacturing competitiveness by financing businesses that are modernizing production processes, implementing automation, and developing specialized products for global markets. From agricultural equipment manufacturers in Fargo to aerospace suppliers in Grand Forks to food processors in rural communities, these lenders help finance manufacturing enterprises that create valuable products while providing stable employment opportunities throughout the state. As North Dakota continues diversifying its economy beyond agriculture and energy, these lenders provide crucial capital that helps manufacturers establish, expand, and innovate in the state.
Q: How do North Dakota SBA lenders support businesses in the tourism and outdoor recreation sectors?
A: North Dakota’s distinctive landscapes and outdoor heritage have created specialized lending expertise for tourism businesses. Several North Dakota SBA lenders offer industry-specific loan packages designed for hotels, restaurants, outfitters, attractions, and other visitor-serving businesses from Theodore Roosevelt National Park to the International Peace Garden. These lenders understand the seasonal nature of tourism in North Dakota and can structure loans with flexible payment schedules aligned with visitor patterns. Some North Dakota lenders coordinate with organizations like North Dakota Tourism and regional convention and visitors bureaus to provide comprehensive support. These specialized lending programs have helped strengthen North Dakota’s tourism economy by financing businesses that enhance visitor experiences throughout the state’s diverse regions. From lodging properties along the Lewis & Clark Trail to restaurants in historic downtowns to outdoor adventure providers in the Badlands, these lenders have developed expertise in financing hospitality concepts that showcase North Dakota’s distinctive character while creating employment opportunities in communities that benefit from visitor spending. As interest in authentic experiences and outdoor recreation continues growing, these lenders provide crucial capital that helps tourism entrepreneurs develop compelling offerings that attract visitors to explore North Dakota’s natural and cultural treasures.
Q: How do North Dakota SBA lenders support women-owned businesses and female entrepreneurs?
A: North Dakota’s strong tradition of female entrepreneurship has influenced local SBA lending practices. Several North Dakota SBA lenders have developed specialized programs focused on expanding capital access for women entrepreneurs throughout the state. These lenders often coordinate with organizations like the North Dakota Women’s Business Center, the Center for Technology & Business, and women’s business networks to provide comprehensive support tailored to women business owners’ needs. Some North Dakota lenders participate in SBA programs specifically designed to increase lending to women-owned businesses. These specialized lending programs align with North Dakota’s above-average rate of female entrepreneurship by providing targeted outreach, mentoring connections, and financing structures that address the unique challenges women business owners may face. From professional service firms to retail operations to manufacturing enterprises, these lenders help finance diverse business ventures led by women entrepreneurs who contribute significantly to North Dakota’s economic vitality. As women continue launching and scaling businesses across sectors from healthcare to technology to agriculture, these lenders have developed expertise in helping female entrepreneurs access the capital needed to grow their businesses and create economic opportunities throughout North Dakota’s communities.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.