The Helm: banking, lending and business insight for Minnesota

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 …

Minnesota couple comparing their trust document to their account statements and property tax notice

Funding a Trust in Minnesota: What Goes In, What Stays Out, and What Happens to What You Missed A trust can only manage what it owns. Signing the document creates it. Funding a trust in Minnesota means actually moving the house, the accounts, …

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

Minnesota family reading the trustee provisions of a trust document at a kitchen table

Changing Trustees on a Minnesota Trust: How It Works and What the New Trustee Needs A trust names its trustee once. Life changes that person more than once. Here is how a trusteeship changes hands in Minnesota, and what a successor …

Harvesting a Minnesota field in the fall, ahead of farm operating line renewal season

Renewing Your Farm Operating Line: What Your Lender Needs This Fall Your 2027 operating line gets decided this fall, before renewal season opens. By the time the renewal is signed, the numbers that set it were fixed …

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