The Helm: banking, lending and business insight for Minnesota

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

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

warehouse real estate loan

Balloon Payment or Rate Reset? How Minnesota Lenders Structure Commercial and Rental Property Loans Two loan offers can look identical. Same rate, same 25 year amortization, same monthly payment. One has a five year balloon payment. The other has a …

Commercial Real Estate

single family rental

Residential vs. Commercial Loans: Key Differences If you are looking to get intoreal estate investingwithout draining your savings, there are more financing options than most people realize. The two …

Commercial Real Estate

Minnesota CRE financed by Minnesota Bank

Navigating Commercial Real Estate Loans in Minnesota: A Strategic Guide for 2025 For Minnesota business owners and investors considering commercial real estate, 2025 presents a unique set of opportunities and challenges. Whether …

Commercial Real Estate

Minnesota investor couple after closing their first rental property loan

Minnesota Investment & Rental Property Loans: How to Secure Financing Investing in real estate in Minnesota can be a profitable venture, but securing the right rental property loan in Minnesota is crucial to maximizing …

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