Investment Real Estate

Fast and Reliable. We work to make the loan process efficient, dependable and customized to your business's needs.

Why choose us?

As a steady provider of credit and banking products for the real estate industry since 1935, Security Bank & Trust Co. builds relationships with and brings experience to dynamic and growing companies that develop, own, and operate income-producing properties.

Our emphasis is on relationships, not just transactions. Our lenders combine their knowledge and experience with a variety of flexible real estate investment banking solutions, products and services. The result is a comprehensive solution tailored to your individual day-to-day operational needs and longer term strategic goals.

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Owner-Occupied Real Estate

Real estate can provide many benefits to a business owner. If your business is considering a real estate acquisition to support its growth or simply wondering when to refinance your business's building, contact one of our lenders today. We've helped many former renters become real estate owners.

  • Loan to value ratios dependent on market strength, property type and condition as well as guarantor financial strength
  • Loan amortizations of up to 25 years, dependent on loan to value
  • Choice of terms and rates including: Variable-rate loans or fixed rates for three, five or seven years with an adjustable rate thereafter.
  • Maturities of up to 25 years, dependent on amortization
  • SBA 504 Loans are also available for qualifying properties

We customize our loans to meet your business’s needs as it expands, relocates, or refinances its property. To learn more, read our:

Guide to Business Loans

Retail, Office and Industrial/Warehouse Real Estate

Real estate investors often look to Security Bank & Trust Co. for creative and custom solutions to meet their cash flow return requirements. Our lenders work with speed to find the right proposal to meet your goals. From downtown Minneapolis and St. Paul office buildings to sale leasebacks or rural manufacturers, we have financed many different types of commercial real estate investments over the years.

  • Loan to value ratios dependent on market strength, property type and condition as well as guarantor financial strength
  • Loan amortizations of up to 25 years, dependent on loan to value
  • Choice of terms and rates including: Variable-rate loans or fixed rates for three, five or seven years with an adjustable rate thereafter.
  • Maturities of up to 25 years, dependent on amortization

Commercial real estate can come in many different shapes and sizes so we work creatively and quickly to help your business achieve its investment returns.

construction workers in warehouse

Read our Guide to Investment Real Estate.

investors looking at clipboard

Investor Owned Residential Real Estate / 1-4 Family Rental Properties

With a portfolio of over 300 1-4 family rental properties financed, we know the Minnesota real estate market and are here to listen and understand your unique real estate investment banking needs. Security Bank & Trust Co. is a great partner for a real estate investor who is actively growing their portfolio, has reached the maximum of secondary market mortgages or is looking to borrow under a corporate legal entity.

  • Loan to value ratios dependent on market strength, property type and condition as well as guarantor financial strength
  • Loan amortizations of up to 25 years, dependent on loan to value
  • Choice of terms and rates including: Variable-rate loans or fixed rates for three, five, seven or fifteen years with an adjustable rate thereafter.
  • Maturities of up to 25 years, dependent on amortization

Acquisition, remodel, construction, or refinance loans are just some of the ways we can finance your rental success.

Let's get started today

Multifamily & Student Housing

Choosing a lender who can deliver fast, efficient and streamlined loan transactions can have a critical impact on your business. We know multifamily and we know student housing. Whether renting by the bedroom near the University of Minnesota - Twin Cities, University of St. Thomas or another local college, we understand the market dynamics and student housing rental market.

  • Loan to value ratios dependent on market strength, property type and condition as well as guarantor financial strength
  • Loan amortizations of up to 25 years, dependent on loan to value
  • Choice of terms and rates including: Variable-rate loans or fixed rates for three, five, seven or fifteen years with an adjustable rate thereafter.
  • Maturities of up to 25 years, dependent on amortization

Let's discuss today how Security Bank & Trust Co. can be your next real estate investment banking partner.

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Want to talk to a Business Lender today?

Bryan Spille - Classic City Apartments

I like the small bank feel where they actually know you. Yet they are capable of lending like a big bank.

Classic City Apartment building

Dan Robbins - Jerry's Service, Inc.

A complete willingness to help with our projects.

mechanic in garage