Securing the right financing is crucial for supporting business growth and managing daily operations. With our comprehensive range of business credit and financing options, finding the right solution to support everything from expansion and equipment investments to improving cash flow is within reach.

Financing options for every business need.

Business Loans and Lines of Credit

Flexible financing to support working capital, inventory, or business growth.

  • Term loans with fixed rates and predictable payments
  • Revolving lines of credit for easy access to funds
  • Competitive interest rates and flexible terms
  • Use for inventory purchases, equipment, or working capital

Learn more

SBA Lending

Alerus is a Preferred SBA Lender

Government-backed loans with flexible terms and lower down payments.

  • 7(a) loans for working capital and general business needs
  • 504 loans for real estate purchases and major equipment
  • Lower down payments and extended repayment terms
  • Ideal for small businesses looking to expand or invest

Learn more

Equipment Financing

Finance essential equipment with flexible payment terms and competitive rates.

  • Financing for both new and used equipment
  • Flexible repayment options
  • Preserve cash flow with structured payments
  • Ideal for machinery, vehicles, or technology investments

Learn more

Business Credit Cards

Convenient expense management with rewards and customizable limits.

  • Earn rewards on everyday business purchases
  • Set custom credit limits to control spending
  • Simplified expense management tools
  • Build business credit while managing cash flow

Learn more

Commercial Real Estate Lending

Tailored solutions for property purchases, expansion, or refinancing.

  • Financing for offices, retail spaces, warehouses, and more
  • Competitive rates with flexible loan terms
  • Options for purchasing or refinancing commercial property
  • Customized solutions for property improvement or expansion

Learn more

Outdoor Media Lending

Specialized financing designed for outdoor advertising businesses to support growth and expansion.

  • Financing for billboard acquisitions and construction
  • Loans for upgrading to digital displays
  • Competitive refinancing options for existing billboards
  • Flexible terms tailored to your business needs

Learn more

Frequently Asked Questions

How do I know which financing option is best for my business?

Choosing the right financing depends on your business goals. For short-term needs like managing cash flow or inventory, a line of credit might be ideal. For larger investments like equipment purchases or real estate, a term loan or SBA loan may be more appropriate.

An Alerus business banker  can provide personalized advice based on your financial situation and long-term objectives.

How do I start the process of applying for a business financing?

The first step is to connect with an Alerus business banker who will guide you through the options based on your needs. You’ll typically need to provide details about your business, financial statements, and the purpose of the loan. Our team will help you complete the applications and gather the necessary documents.

alerus image accent

Ready to get started?

Reach out to a business banker today.