Business Banking
Let’s get to work.
Lending
Business Loans
So much flexibility, even your options have options. Our suite of business credit and lending products puts you in ultimate control.
Term Loan
An excellent source of funds for purchasing equipment and other fixed assets.
- Competitive fixed or variable interest rates
- Terms up to ten years based on business needs
- Secured or unsecured options
- Competitive repayment schedule
Line of Credit
Designed to help you meet your short term funding needs.
- Interest-only payments
- Competitive variable rates
- Secured or unsecured options
- Annual renewal
Real Estate Loan
Flexible options to help you finance your expanding business.
- Competitive fixed or variable interest rates
- Up to 20 year amortization
- Secured by commercial real estate property
- Terms up to five years for fixed rate option
Agricultural Loan
Agribusiness is unlike any other industry – your loan should be as personal as your venture.
- Financing for operation expenses, crops, livestock, equipment, or real estate
- Competitive rates
Letter of Credit
Guarantee of payment to help you transact business with companies whom you have limited credit history.
- Up to two-year term
- 2% fee per year
- Secured or unsecured options
Agency Lending
Smart, affordable solutions for small businesses.
Small Business Administration (SBA)
- SBA Preferred Lender
- Down payment as low as 10%
- Low monthly payments with up to 25-year amortizations available
- Visit www.sba.gov for more info
United States Department of Agriculture (USDA)
- Programs offered to support development in rural communities
- Assistance when unable to secure conventional loan products
- Visit www.rd.usda.gov for more info
USDA Farm Service Agency (FSA)
- Loan guarantees to increase access for ownership and operations
- Assistance when unable to secure conventional loan products
- Widely used to purchase farmland, construct buildings, and purchase equipment/seed/fertilizer
- Visit www.fsa.usda.gov for more info
To learn more about additional government-backed loans please reach out to a Commercial Banker
Wisconsin Housing and Economic Development Authority (WHEDA) Small Business Financing
Designed for businesses located in Wisconsin.
- Designed for businesses with 50 full-time employees or less
- Can combine with SBA, state and local financing programs
- Linked Deposit Loan (LiDL) option for women and minority-owned businesses
- Visit www.wheda.com for more information
Equipment Lease
Coordinate all your banking and equipment financing activities, saving you time.
- 100% financing available – no down payment required
- New or used equipment
- Variable payment for seasonal customers
- Fixed rate which will not change during the term of the lease
- Most leases can be structured to meet tax objectives
Municipal Lease
Equipped with the expertise to assist any complex municipal leasing project.
- Avoids the costs associated with referendums or bonding
- Only annual payments are included in annual budgets
- Acquire equipment today without the costly delays due to capital appropriations
- Flexibility for when budgets and resources change
Professional Practice Financing
Customized loan packages to meet all your practice needs.
- Competitive fixed or variable interest rates
- Terms up to ten years based on business needs
- Speak with Chad Curran in Duluth for a more in-depth product dive
- Flexible repayment period
* Consult a tax advisor regarding the deductibility of interest.
Business Checking
Business Checking Accounts
Business Checking
- Free business debit card
- Available to all businesses
- Earnings credit can offset service charges including monthly maintenance fee
- Cash management services
- Merchant card services
- Remote deposit capture
- Sweep options
- NBC iPay (bill pay)
- Service charges are based on activity/volume
Business Checking 100
- Free business debit card
- Available to all businesses
- 100 items free (.25/item over 100)
- Cash management services
- Merchant card services
- Remote deposit capture
- Sweep options
- NBC iPay (bill pay)
- Service charges are based on activity/volume
- Non-interest bearing
Advantage Business Checking
- Free business debit card
- Designed for sole proprietors
- Earns a competitive interest rate
- Cash management services
- Merchant card services
- Remote deposit capture
- Sweep options
- NBC iPay (bill pay)
- Service charges are based on activity/volume
Business Debit Card
The convenient way to make business purchases with no monthly maintenance fee. Issue cards to employees with custom levels of access and gain total control of your expenses.
Business Savings
Business Savings Accounts
Our account options make business savings simple. No matter which option you choose, you’ll get the cash flow management power you need to run your business effectively.
Business Statement Savings
Save for the unexpected without the higher minimum balance.
- $200 minimum daily balance to avoid a service charge
- Earns competitive interest rates
- Sweep options available
Business Money Market Savings
Tiered interest rates with easy access to your funds and a low minimum daily balance.
- $1,000 minimum daily balance to avoid a service charge
- Earns competitive tiered interest rates
- Sweep option available
- Preauthorized transfers limited to six per month
Services & Resources
From innovative mobile banking solutions to fraud detection that protects your business and secures your future, our robust suite of services and tools give you all the support you need to make more possible.
Treasury Management
We offer the same robust Treasury Management services that the big banks offer, but with local pricing and a personal touch.
- Accounts receivable/payable
- Liquidity management
- Direct deposits/wire transfers
- Move assets within accounts
For more information, contact us:
What is Treasury Management?
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Merchant Services
Focus on what matters by simplifying your day-to-day operations. Our years of experience and local support, combined with cutting-edge tools and technology will future-proof your business.
Merchant Card Processing
Make it easier for people to pay you with technology that offers a competitive monthly processing fee and tools that accept most credit cards.
Clover™ Go
Accept payments anywhere with a wifi or cell connection, plus clear and intuitive sales reporting.
- Work anywhere you have wifi or cell connection
- Accept EMV chip cards and get the confidence that comes with TransArmor
- Enjoy 24/7 customer care and support
Clover™ Mini
Intuitive, easy-to-use cloud-based software accessible from anywhere, plus a tailored experience from an ever-expanding library of apps.
- Cloud-based software that’s accessible anywhere
- Protection from fraud with built-in TransArmor
- Accept contactless payments
Clover™ Station
A powerful, cloud-based business management system built on the most sophisticated software platform of its kind.
- Accept more types of payments – magnetic strip, EMV, Apple and Android Pay – without additional equipment or complicated software
- Manage returns and inventory
- Customizable system
Credit Cards
Get the flexible support you need to grow and succeed. Whether you’re making purchases or accepting payments, our full array of VISA card services help you make more possible.