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The Helm: banking, lending and business insight for Minnesota

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Minnesota small business owner meeting with a local bank about a small business loan
Small Business Loans in Minnesota From a Local Bank Every small business loan in Minnesota starts with the same two questions: which loan fits what you are buying, and who will decide it. The second …
SBA & Other Government Loan Programs
10/30/26
A couple sits together at a table as an advisor walks them through a document
Bank Trust Department vs. Financial Advisor: What to Expect When You Hire Help in Minnesota Bank trust department vs. financial advisor is a choice many people reach without ever deciding they could no longer manage their money. What brought …
Retirement Planning
10/27/26
Three engineers review a laptop beside automated production equipment in a manufacturing plant
How a Borrowing Base Works for a Minnesota Line of Credit A business line of credit with a borrowing base carries two numbers, and the second one decides what you can draw. The commitment is the most the …
Small Business
10/23/26
A city hall with a stone clock tower and brick front on a summer morning
Investment Pool vs. Bank Deposit for Minnesota Public Funds Most Minnesota cities, counties, townships and school districts keep public funds in two places: a statewide investment pool, such as the 4M Fund, …
Treasury Management
10/16/26
Adult daughter at her late father's kitchen table sorting mail and a trust binder, her first week as successor trustee in Minnesota
Successor Trustee Duties in Minnesota: The First 90 Days After a Parent Dies The call usually comes from the funeral home or the attorney's office, and it ends with a sentence nobody prepared you for: you are the successor …
Trust & Wealth
10/13/26
A new home framed on an open rural lot at sunset, the kind of build a land loan in Minnesota starts
Land Loans in Minnesota: Buying a Lot to Build Your Home The house you want to build starts with the ground under it, and the ground is financed differently than the house. Land loans in Minnesota generally …
Real Estate Tips
10/9/26
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