The Helm: banking, lending and business insight for Minnesota

Recent Posts from Andy Schornack

Harvesting a Minnesota field in the fall, ahead of farm operating line renewal season

Renewing Your Farm Operating Line: What Your Lender Needs This Fall Your 2027 operating line gets decided this fall, before renewal season opens. By the time the renewal is signed, the numbers that set it were fixed …

Modern single story dental office building with parking, the kind a practice buyer would finance

Buying a Dental Practice in Minnesota: Should You Buy the Building Too? The seller is retiring, and the building is for sale too. How you answer that in the first month of a practice purchase will still be shaping your …

SBA & Other Government Loan Programs

Minnesota small business owner in her shop

SBA Loans in Minnesota: Which Program Fits Which Purchase Most business owners come to us asking whether they qualify for an SBA loan. That is almost never the real question. The Small Business …

SBA & Other Government Loan Programs

team coordinate business account opening

Opening a Business Checking Account in Minnesota Most owners prepare to open a business checking account by collecting documents. That gets the account opened. It does not make the account work. The …

Business Strategy

Minnesota business owner checking spring inventory before the selling season

Business Line of Credit in Minnesota: How It Works and When You Actually Need One A term loan and a line of credit both put money in your account. They answer different questions. A term loan buys something. A line of credit covers …

Business Strategy

Minnesota farming family talking about trusts while walking in a field

Passing the Farm: Trusts and Farm Succession in Minnesota The average Minnesota farmer is 57.1 years old, and on most operations the farm is not just the biggest asset in the estate. It is the estate. Land …

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