Business Loans

SPIRE offers a variety of loans to meet you where you are today and get you to where you want to be tomorrow.


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SPIRE can help take your business goals to the next level.
Commercial Loans


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Finance your residential investment properties with SPIRE.
Investment Loans


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Upgrade your business' equipment and machinery to meet your needs.
Equipment Loans


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Take your business on the road and meet your customers where they're at.
Vehicle Loans


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Save energy and increase profits with a SPIRE PACE loan.
PACE Loans


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Money when your business needs it with flexible terms.
Line of Credit

To payoff your SPIRE business loan, contact us.

Paycheck Protection Program Loans

SPIRE is here to help you with your Paycheck Protection Program (PPP) loan. We have helped hundreds of businesses with PPP funding. We offer a digital application portal so you can quickly get through the process. 

PPP Loans Through SPIRE

Take the Next Step

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in business and life with you.
Start Your Application

Email SPIRE Business Lending

Business Loan Options

Commercial Real Estate

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

Investment Property Real Estate

  • Up to 30-years amortization
  • ​Up to 80% LTV for purchased and straight term refinance (no cash out)
  • 70% LTV for a cash out refinance
  • Low closing costs
  • Competitive rates
  • Single family and 2-unit properties
  • 5 years, 7 years and 10 years fixed rates available

VIEW INVESTMENT PROPERTY RATES View Investment Property Rates icon

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

Business Vehicle Loans

  • 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

PACE Loans

Also known as Property Assessed Clean Energy, PACE is more than just a loan. It’s a tool to make energy saving investments affordable for commercial building owners. In fact, many SPIRE members are already leveraging PACE to save energy and increase profits. 

SPIRE has partnered with MinnPACE, the primary agent for PACE Financing in Minnesota.

Learn more about PACE Loans

Business Line of Credit

We offer competitive fixed or variable rates tied to Prime.  Secured or unsecured loans are available with payments determined by the loan balance.

We consider all types of collateral for higher loan amounts. Lines of credit are renewable every two years.

Start your SPIRE Business Loan application today

These are the documents you'll need to complete to start your application process at SPIRE. Our local SPIRE Business Loan team is here to help you through every step. Please contact us with any questions about the loan process.


Use our fillable applications to provide the information needed to process your loan inquiry.

Commercial or Investment Property Loan Application
Equipment, Machinery, or Vehicle Loan Application
MinnPACE Loan Application

Financial Statement

Please provide your income and assets on this personal financial statement form.

Personal Financial Statement


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