on the JOURNEY

Small business ownership is an adventure . Along the road to success in your organization, a first-rate financing partner can provide the momentum needed to make a difference in the lives of people, building partnerships that make a difference.

Williams County Abstract Company 

Lisa Engel utilized the Dakota Business Lending SBA 504 small business loan program to take the next step in continuing the legacy of Williams County Abstract Company and purchasing the building they have been leasing for over 40 years.


We are excited to announce that Dakota Certified Development Corporation (Dakota CDC) is now Dakota Business Lending effective January 1, 2018.

Looking for a Partner, Not Just a Lender?

We get it. You’ve worked hard to get where you are,
often pushing life to the edge.

Late nights and work-filled weekends often come with the territory. In the midst of your quest for growth, how far would a financial shot-in-the-arm take you? Furthermore, where can small businesses find an experienced lender that is passionate about being a partner and not just a financer?

Since 1982, Dakota Business Lending has provided over $500 million in small business loans with total project financing impact of over $1 billion. Dakota Business Lending has been a premier option for small business for over three decades, teaming with small businesses to provide flexible and creative solutions.

While we love infusing businesses with the cash they need to thrive, we value the process of meeting business owners. It is our pleasure to listen to needs and develop a tailor-made lending
strategy for your company.

Strength in Numbers

Featuring a strong collaborative network, we work with lenders, economic development professionals and other partners to offer the SBA 504, USDA Rural Development IRP, and other loan programs.

We look forward to each opportunity to meet with new clients and help ideas come to LIFE, developing a customized plan that aligns with YOUR story and YOUR dream.

Our Products at a Glance


SBA 504 -The goal of the SBA 504 program is to create and retain jobs through long-term financing of real estate and equipment at a fixed, below-market interest rate. Businesses often have difficulty qualifying for traditional financing due to required down payments of 20 percent or more. Loans through the 504 program can finance 90 percent (504 loan plus third party lender loan) of a project’s cost for qualifying businesses, preserving cash flow during a longer repayment term.


Revolving Loan Funds - These fixed-rate, 5-15 year term loans up to $250,000 are intended for small businesses who may not be able to obtain conventional funding or who need gap financing in conjunction with another commercial loan. They can be used for working capital, equipment, inventory, real estate and more.


SBA 7a Community Advantage -The Community Advantage program is designed to provide a financing option for small business start‐ups in underserved communities. The SBA provides a 75 – 85% guarantee, providing participating lenders with more confidence in offering financing to riskier start‐up businesses. Community Advantage can be used to complement other loan programs.


Main Street and Kiva -Theses are designed for start-up and emerging businesses with microloan needs, providing loans up to $35,000 with unique rates and terms specially developed for this financing need that is often unavailable through conventional sources.

You don’t have to figure out which program works, we’ll do that for you!

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SBA 504
Interest Rates

September 2019
10 Yr: 3.563%
20 Yr: 3.359%
25 Yr: 3.458%


504 Loan Calculator