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Granite Bank (MN)

Granite Bank (MN)

Welcome to Granite Bank, where we provide personalized banking solutions for individuals and businesses across Minnesota. Experience trusted, community-focused service.

Existing or more than 2 years old
Fixed Rates
New Business or 2 years or less
SBA Express Program
Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 14
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $2,612,800
Average SBA Loan Size as of Fiscal Year End 2025 $186,629
Average SBA Loan Rate over Prime (Prime is 6.75%) 1.54
Granite Bank (MN)

Unlock Your Financial Potential with Granite Bank (MN)

Granite Bank, headquartered in Cold Spring, Minnesota, is a locally owned community bank dedicated to helping small businesses succeed across the state. Known for its personal service and commitment to Minnesota’s entrepreneurs, Granite Bank offers flexible SBA loan programs that make business ownership and expansion more accessible than ever.

Key Features of Granite Bank

  • Comprehensive Business Banking: Business checking and savings accounts, merchant services, cash management, and digital banking tools that streamline business operations.
  • SBA Loan Programs: Granite Bank participates in SBA 7(a) and 504 loan programs, providing long-term, government-backed financing for working capital, real estate, equipment, and business acquisitions.
  • Local Decision-Making: Lending decisions are made by experienced Minnesota-based bankers who understand local industries and business challenges.
  • Customized Lending Solutions: In addition to SBA loans, Granite Bank offers conventional term loans, commercial real estate financing, and business lines of credit tailored to each client’s goals.
  • Community Commitment: Deeply rooted in central Minnesota, Granite Bank is committed to supporting local business growth, job creation, and economic development across the region.

Why Choose Granite Bank for SBA Loans?

Granite Bank combines small-town service with the financial expertise of a seasoned commercial lender. Its SBA lending professionals guide borrowers through the entire process — from eligibility to funding — with transparency, flexibility, and competitive rates. Whether you’re launching a startup, purchasing property, or expanding your operations, Granite Bank delivers the financial partnership to help your business grow.

How to Get Started

Ready to grow your business with an SBA loan or other financing solution? Visit the Granite Bank Business Banking page to explore available SBA programs, review eligibility, and connect with a local SBA lending expert.

Empower your financial future today with Granite Bank — where Minnesota’s small businesses build big dreams.

Industry