SCFCU Business Loans: Supporting Local Entrepreneurs in Minnesota
Fueling Business Growth Across Central Minnesota
Small businesses are the heartbeat of Central Minnesota. From family-owned shops to new startups with big ideas, local entrepreneurs bring energy and innovation to our communities. Whether you’re just getting started or ready to expand, having access to the right Business Loan at the right time can make all the difference.
At St. Cloud Financial Credit Union (SCFCU), we’re proud to serve the business community across Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties. We’re not just a lender, we’re your local credit union that understands what it takes for you to succeed.
Business Loan Options Available Through SCFCU
No two businesses are the same. That’s why SCFCU offers a range of Business Loan solutions designed to meet the specific needs of entrepreneurs in Central Minnesota:
Working Capital Loans – Keep your operations moving smoothly with funds for everyday expenses, payroll, or seasonal needs.
Business Auto Loans – Whether you need one vehicle or a fleet, we offer financing for reliable transportation that supports your business.
Equipment & Machinery Loans – Invest in tools or technology that improve productivity and help your business grow.
Commercial Real Estate Loans – Finance new property, renovations, or expansion projects that put you on the map.
SBA 504 Loans – Long-term, fixed-rate loans designed to support local business growth and job creation.
Revolving Business Lines of Credit – Flexible funds you can access when needed—only pay interest on what you use.
For current rate information and lending terms, please visit our rates and fees page.
When and Why to Consider a Business Loan
Business Loans aren’t just for significant investments. They’re often the most innovative way to stay agile and resilient in the face of change. Whether you’re covering a cash flow gap, replacing aging equipment, renovating your space, or preparing to hire new team members, access to financing helps you take action with confidence.
You don’t need to be a large corporation to qualify. SCFCU supports businesses of all sizes, from solopreneurs to growing teams, because your success matters to our local economy.
What Makes SCFCU the Right Lending Partner?
As a credit union, SCFCU is built differently. We’re a member-owned, not-for-profit institution committed to people over profits. That means when you come to us for a Business Loan, you can expect:
Personalized service from a team that understands local business challenges
Transparent lending processes with decisions made right here in Central Minnesota
Tailored solutions that work for your specific goals and timeline
We don’t just lend, we listen, advise, and support. Your goals are our goals, and your story is our passion.
How to Get Started with a Business Loan
Starting the Business Loan process at SCFCU is simple. Whether you’re an existing member or new to our credit union, we’ll guide you through every step with clarity and care. Our local business lending team is here to help you navigate options and make informed decisions.
Visit Us in Central Minnesota
SCFCU has deep roots in the Minnesota community, and we’re proud to support local businesses across our field of membership. We invite you to visit any of our branch locations to speak with our team, ask questions, and take the next step toward achieving your business goals.
Power Your Business With Local Support
Your business deserves more than a one-size-fits-all loan from a national lender. At SCFCU, we bring personal service, strong local knowledge, and flexible financing together to help entrepreneurs thrive.
Let’s build something great together. Start your Business Loan application with SCFCU today.