FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Smiling businesswoman with curly hair in a gray suit, standing on her office terrace with the Grand Forks, ND, skyline behind her

Business Loans 
Built for Bigger Dreams.

You have the vision. We have the capital to bring it to life. With fast decisions and flexible terms, we’ll help you grow your business with the right loan – right here in ND and MN.

Choose a Business Lender

Relaxed 50-year-old executive standing outside his office in downtown Fargo, ND, talking on the phone with his business lender

Choose Your Loan or Line of Credit.

  • Equipment Loans

    Let’s ensure your business has the right tools to succeed. From commercial vehicles to heavy equipment and everything in between, we’re here to help.

  • Business Real Estate Loans

    Easily purchase or update an existing property, or build a new location – all while enjoying convenient and flexible terms.

  • Business Lines of Credit

    From inventory to maintenance, our revolving lines of credit offer flexible funding for your short-term needs, so you can easily manage working capital and seize opportunities when they arise.

Daycare owner in striped sweater, looking around at the recent expansion of her child care center in Moorhead thanks to a business loan

Child Care Loans for Local Daycare Providers.

More staff. Bigger location. New equipment. With below-market interest rates, our BetterLife™ Child Care Business Loan is available to licensed child care businesses in North Dakota or Minnesota.

Learn More

All Business. Still Personal.

At Gate City Bank, our loan process is simple – complete with local service down the street.

  • Fast approvals

    We typically provide decisions on equipment loans and lines of credit within three business days, so you can move forward quickly.

  • Expert guidance

    More expertise. More support. Our experienced team will provide the insights you need to navigate your business journey with confidence.

  • Dependability

    We offer a steady, transparent lending approach, so you can plan for the future with consistent and trusted financing.

  • Local support

    Our business loans are financed and serviced locally, right here in North Dakota and Minnesota. Wherever you choose to do business, we’ll be right by your side.

Apply With a Business Lender

“My business loan was processed quickly and efficiently. My loan officer made the entire process simple. In fact, that is what I like most about Gate City Bank. They make things easy, and when I walk in the bank, they greet me by name because they know me.”

– Jada T., Bismarck, ND

Closeup of brunette woman in a pale pink blazer, making her business loan payment on her Gate City Bank mobile app

Business Loan Calculator

If you’re thinking about a business loan, try our free calculator below to estimate your monthly payment! Please note that monthly amounts include a partial repayment of the loan principal, plus monthly interest on the outstanding balance. Loan payments are amortized so the monthly payment remains the same during the repayment period, but during that time, the percentage of the amount that goes toward principal will increase as the outstanding loan balance decreases.

Business Loans Tailored to Suit You.

Whether it's expanding your operations, financing a new piece of equipment or constructing a new building, our unique financing options will help your business thrive.

Find a Lender