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The Helm: banking, lending and business insight for Minnesota

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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
Business owner reviewing cash position on a laptop at a Minnesota office
When Does a Business Need Treasury Management? Most businesses do not decide to take on treasury management. They arrive at a point where the way they have always handled cash stops working, and …
Treasury Management
8/7/26
Minnesota small business owner working the line inside her food truck
Business Loan DSCR: The Formula, the Targets, and How Much You Can Borrow Most owners ask the borrowing question in dollars. How much can we get. Lenders answer it in coverage, and the translation between the two is one …
Business Strategy
5/8/26
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