Helping you build the Bemidji area since 1910

Business Loans


Prairie grass blowing in the wind with the Security Bank USA building in the background.

Decisions made quickly and locally.

At Security BankUSA our business is understanding the needs of your local business. Our lenders know the local climate, and will assist you in choosing the right loan package to achieve your goals.


Commercial Real Estate

Take advantage of low rates & let Security BankUSA's experienced lenders help you purchase a new building. If you currently own your building, sit down with us to make sure you've got the best possible terms on your loan.


Equipment Loan

Take advantage of low rates and let Security BankUSA help you purchase new equipment for your business.


Business Manager

Business Manager is a business lending solution to short term cash flow difficulties. Security BankUSA manages accounts receivable while the business receives the funding on their receivables immediately. This program also allows the business to access reports, track payments, and see other valuable information for maintaining and growing an efficient and successful business.


Operating Line Of Credit

Avoid cash short falls with a Revolving Line of Credit.

Flexible credit amounts and repayment schedules.


Letter of Credit

A Letter of Credit provides you with a Guaranty of Payment from Security BankUSA.


SBA Financing

Small Business Administration Guaranteed Loan Programs: Purchase a Business, Commercial Real Estate, or Equipment.

These loan programs allow you to start or expand your business without using up all your cash.

  • SBA 7a Loan: For loans greater than $250,000, the SBA will provide a 70% Guaranty, which helps to strengthen your loan request.
  • SBA 7a Express Loan: For loans $250,000 or less, the SBA will provide a 50% Guaranty.
  • SBA 504 Loan: Provides a long-term fixed rate on a percentage of your debt & allows you to borrow with as little as a 10% equity position or a 90% Loan to Value.

 

Mobile Banking and Mobile Deposit


Security BankUSA Mobile Banking is a fast, secure way to access your accounts from your mobile phone. Deposit your check using your smartphone. Anytime. Anywhere.

Mobile phone with Security Bank USA's logo displaying on the screen