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The Helm: banking, lending and business insight for Minnesota

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A weathered barn and a grain bin standing in a summer cornfield, the kind of farmland purchase a Minnesota operation plans for years
Buying Farmland in Minnesota: How to Finance the Purchase Before the Auction Land in this part of Minnesota rarely comes up twice. When the neighbor's quarter goes to auction, the operation that already knows what it can pay …
Ag Lending
10/2/26
A business owner and a commercial lender shaking hands in a brick office building
Commercial Loan Refinancing: When to Refinance Your Building and What It Takes Most commercial loan refinancing does not start with a rate. It starts with a date. Our business real estate loans fix the rate for up to 10 years, …
Commercial Real Estate
9/25/26
Kevin Hegland, senior lending officer for Carver County at Security Bank & Trust Co., reviewing a document with a customer at his desk
How Interest Rates Affect Business Loans: The Fed, the 5-Year Treasury and Your Next Reset The Federal Reserve raised its target rate on September 16, a quarter point to 3.75 to 4 percent. How interest rates affect business loans depends on …
Business Strategy
9/18/26
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
8/28/26
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
8/21/26
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
8/14/26
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