Business Loans
Your business needs financing you can count on and a banking partner who understands your operation. At Dakota Community Bank & Trust, we provide business loan solutions backed by local decision-making, personalized service, and a deep commitment to the communities we serve.
Business Loan Options
Small Business Administration (SBA) Guaranteed Loans
SBA Guaranteed Loans help small businesses access financing with longer terms and lower down payment requirements. These loans can be used for a variety of purposes, including working capital, equipment purchases, business acquisitions, and real estate. Our experienced lenders guide you through the SBA process and help determine if this option is the right fit for your business.
CDC-504 Loans
CDC-504 Loans are designed to support long-term growth by financing major fixed assets such as commercial real estate or large equipment. This program offers long-term, fixed-rate financing that helps businesses preserve cash flow while investing in their future. Dakota Community Bank & Trust works with Certified Development Companies to help streamline the process from application to closing.
Lines of Credit
A business line of credit provides flexible access to funds for ongoing operating needs, seasonal expenses, or unexpected costs. You can draw on the line as needed and repay based on your cash flow, making it a practical solution for managing day-to-day business operations.
Equipment Financing
Equipment financing allows your business to purchase or upgrade machinery, vehicles, or specialized equipment without using working capital. These loans are structured with predictable payments and competitive terms, helping you invest in the tools you need to operate efficiently and grow.
Commercial Real Estate Loans
Commercial real estate loans support the purchase, construction, or refinance of owner-occupied and investment properties. Whether you are expanding your space or investing in property, our local lenders work with you to structure financing that aligns with your business goals and long-term plans.
Why choose Dakota Community Bank & Trust for your business loan?
Business loans from Dakota Community Bank & Trust offer local decision-making, competitive rates, and flexible financing options to support businesses at every stage. From lines of credit and equipment financing to SBA and commercial real estate loans, you get predictable payments and personalized guidance from a trusted community bank.
- Competitive interest rates and flexible repayment terms
- Flexible loan amounts based on your business needs
- SBA and government-backed loan programs
- Local decision-making by lenders who understand your business
Loan Application Process
Complete your application.
Fill out an application with Dakota Community Bank & Trust, you can expect the following: Each application is evaluated based on your credit history and credit score.
A preliminary credit decision will be made.
You can expect an initial decision to be made within one or two business days, depending on when the application is received, and if all information is obtained.
Sign loan documents
If your loan is approved you and any co-borrowers will need to come into the bank to sign the loan documents
The process typically takes one to two days after we receive the application; unless additional information is needed.