Business loans

Commercial Real Estate

  • Competitive fixed and variable rates
  • Up to 25-years amortization
  • Low closing costs
  • Experienced team of commercial lenders
  • Fast underwriting by local decision makers
  • No prepayment penalties
  • Properties we finance: multi-family, retail, warehouses, industrial, office buildings, mixed use and residential rental properties.

SBA Loans

  • Purchase or refinance existing buildings
  • Construction of new facilities or modernizing, renovating or converting existing facilities
  • Purchase long-term machinery and equipment
  • Owner occupied (minimum 51% owner occupancy)
  • Financing up to 90% LTV

Man talking on cell phone writing papers on a table

Business Line of Credit

Competitive fixed or variable rates tied to Prime.

Payments determined by the loan balance

Secured or unsecured loans available

All types of collateral considered for higher loan amounts

Renewable every 2 years


Use our checklist to make sure you have everything you need to open your account.


To open your business account or for more information, please call 651.268.7750 or stop by any SPIRE branch.

Equipment & Machinery

  • Competitive fixed and variable rates
  • Flexible financing up to 7-years
  • Minimum 20% down payment
  • Cross collateralization for equity down payment accepted
  • Low closing costs
  • Local decisions makers to work with


  • Competitive fixed rates
  • Up to 5-year loan terms
  • Up to 95% financing
  • Minimum 5% down payment (or other form of collateral)
  • Low closing costs
  • Local decision makers

For more information or to apply, please call 651.268.7750 or stop by any SPIRE branch.

Driven by


Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.