Talk to us about your proposal

Bell Bank is a participating lender with the Small Business Administration's Guaranteed Loan Programs, including:

  • SBA 504 loans – lower down payments, fixed interest rates and longer repayment terms for the purchase or construction of owner-occupied commercial real estate, leasehold improvements and equipment purchases
  • SBA 7(a) loans – SBA's primary business loan program, with flexible structure, variety of uses, and broad eligibility requirements and credit criteria
  • SBAExpress loans – flexible smaller loans and lines up to $350,000

As an authorized SBA lender, we offer you guidance and alternative financing solutions. We give you personal help throughout the process, and strive for expedited closings so you can move forward.

Ready to talk about your small business proposal?

When you visit with one of our business bankers, you should have the following available for review:

  • Business plan
  • Personal financial statement
  • Business financial statement (if available)
  • Collateral available to secure the loan
  • Assumptions used to project your earnings
  • Management résumés of those involved in business operation
  • Pro forma balance sheets showing what the business would look like if the loan were granted

Need help writing your business plan? provides free interactive business planners for entrepreneurs. These easy-to-use web tools break down each section of your business plan into a bite sized piece, telling you what to include. Small Business Development Centers like and SBDC Minnesota also offer expertise in business plan preparation to help you start, manage and grow your business.

Why Bell

We’ve grown since the days we were a small, single location in Fargo, but our values have remained the same. You and your business are important - to you and to us.

Great new features in online banking

Ready to enjoy a mobile experience that mirrors desktop, plus enhanced security using touch ID?

Fight fraud with these tools & tips

Shopping gives fraudsters opportunities ... but Bell Bank customers have an arsenal of free fraud-fighting tools. Here are 5 tools and tips to improve your debit card security.

Manage your debit cards with CardValet®

Our new CardValet app lets you control all of your debit cards with the phone in your pocket.