Loans

We offer a wide variety of business loans to meet your needs. All of our loans are approved by our knowledgeable lenders right here in Winona. Local decision-making means you will be dealing with bankers who understand your business and the local economy.

Start your business loan process with our Personal Financial Statement.

Working Capital
Line of Credit
Bridge/Interim Financing
Equipment
Construction
Commercial Real Estate
Acquisition
Small Business Administration (SBA) Loans
Letters of Credit
Equipment Leasing
Tax-Exempt Financing

	Working Capital Working capital loans finance the everyday operations of a company. They are short-term loans, generally limited to a term of 12-months or less and used to increase your cash flow.
	Line of Credit Another form of working capital loan typically used to finance short term gaps in accounts receivable and accounts payable. Lines are established with a maximum loan amount and fluctuate up and down over the term of the loan given the cash inflows and outflows of the business.
	Bridge/Interim Financing Short-term loans that are used until a company secures permanent financing or removes an existing obligation. This type of financing allows the Borrower to meet current obligations by providing immediate cash flow. The loans are short-term (up to one year) and are backed by some form of collateral such as real estate or inventory.
	Equipment Finance that new or used piece of equipment with a flexible equipment loan. Fixed and variable rate options termed over the useful life of the asset.
	Construction Looking to build a new facility to house your business? We offer competitive construction loans utilizing the security of a title company with controlled draw schedules to make sure your project stays on budget. Permanent financing available upon construction completion.
	Commercial Real Estate Let us help you finance the purchase of a building or the end financing to your construction loan. Fixed and variable rate options available, financed up to 20 years utilizing 3 and 5 year balloon structures.
	Acquisition Acquisition financing can be a lot of detailed information to get your arms around. We can provide you with a thorough analysis of the asset being purchased and offer unique financing options to complete the transfer.
	Small Business Administration (SBA) Loans Winona National Bank works with the SBA to offer numerous loan programs to assist small businesses. More details
	Letters of Credit We offer letters of credit to provide a guaranty that your payment to a seller will be received on time and for the correct amount.
	Equipment Leasing Perhaps one of the strongest reasons for acquiring equipment through leasing, as opposed to purchasing, is that leasing helps lessees avoid the risk of obsolescence.
	Tax-Exempt Financing Tax-exempt financing is a popular alternative to bond issues that provide the borrower with easy access to low-cost funds.