Business Loans

SPIRE will meet you where you are today and help get you to where you want to be tomorrow.

The SPIRE Business Lending team will work with you to find the best financing options for you. We listen to your business goals and work alongside other SPIRE departments to make your dreams a reality.

Take the Next Step

Contact SPIRE Business Lending

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.

6Limited to 3 properties per owner. Property must be an investment property located in MN. SPIRE member responsible to pay $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

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Commercial & Investment Property Real Estate

 We offer competitive fixed and variable loan rates
with up to 25-years amortization.

Enjoy low closing costs and no prepayment penalties.

We finance multi-family, retail, warehouses,
industrial, office buildings, mixed use and residential rental properties.

Refinance your Investment Property with SPIRE

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PACE Loans

Finance the up-front costs of energy
improvements and pay back the costs
through an assessment on your property.

Utility savings often exceed payment
obligations making investments cash positive.

Learn more about SPIRE PACE loans

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Equipment & Machinery

SPIRE offers flexible financing up to seven-years
with competitive fixed and variable rates.

Enjoy low closing costs.

A minimum 20% down payment is required.
Cross collateralization for equity down payment is accepted.

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Business Vehicle Loans

We offer competitive fixed rates with up to five-year loan terms and up to 95% financing.

Enjoy low closing costs.

A minimum 5% down payment (or other form of collateral) is required.

The SPIRE Business Platinum Visa® Credit Card

Enjoy 0% APR* on purchases for 12 months
& Earn 15,000 bonus points.

No annual fee.

Cardholders receive customized spending limits and statements.

Learn more about SPIRE Business Visa

PPP Loan Forgiveness

The loan forgiveness portal is now open to all
PPP borrowers. 

Your application and required supporting documents must be completed on the PPP forgiveness portal to be electronically sent to the SBA.

SPIRE cannot accept paper applications or documents.

PPP Loan Forgiveness


*APR=Annual Percentage Rate. Introductory Offers on new Visa Signature accounts opened 04.01.23-06.30.23. 0.00% APR on purchases made within 12 months from date of account opening. 2.99% APR on any balance transfer made within 90 days from date of account opening for a period of 12 billing cycles. Balance Transfer Fee is $0.00. After that, your APR will increase and will vary with the market based on the Prime Rate. Current rate(s) are based on the Prime Rate as stated in the Wall Street Journal plus applicable margin in effect on 03.31.2023, were 17.65% or 17.99% . Rate is based on creditworthiness. The APR will never be greater than 18.00%. Please refer to the Credit Card Account Opening Disclosure you received for information regarding your APR. We calculate your balance by using a method called average daily balance (including new purchases).

15,000 reward bonus points awarded when cardholder makes $1,500 in purchases on new Visa Signature Credit card within 90 days of account opening and may be redeemed for cash back or other merchandise. Recipient is responsible for applicable taxes incurred on cash back.

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