Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

Happy business loans customer.

Think Bigger With a Better Business Loan.

As a business owner, you’ve worked tirelessly to build your dream venture into what it is today. It’s more than just work for you – it’s a lifestyle. From expanding operations to financing crucial supplies, we’re here to help take your business vision to the next level.

Let’s Grow

First Order of Business: An Easy Process!

Our business loan process is incredibly simple, and we work to ensure you experience:

  • Competitive rates

    We care about keeping our rates competitive, so you can be as efficient as possible with your business operations. Contact a lender to learn how much you could save with our competitive rates.
  • Local support

    Our business loans are financed and serviced locally. Wherever you choose to do business, our convenient locations are right there with you.
  • Free pre-approvals

    Reach out to one of our helpful lenders, and they can begin your pre-approval today.
  • Convenient digital options

    Can’t meet in person, or prefer an online connection? Let's find you a lender who can assist you right away.

Let’s take care of business – together. Contact us today!

Find a Lender

Female daycare provider plays at home with children after receiving approval for Better Life Child Care Business Loan from Gate City Bank

Child Care Days Well Spent.

Introducing our BetterLife™ Child Care Business Loan! With low interest rates, this program is available to any licensed child care business within our footprint. It’s uniquely geared toward growing your business – so you can focus on growing young minds.

Learn More
Laughing contractor and local business owner cuts wood trim for a kitchen remodel in Fargo, ND

Short-Term Solutions? No Problem.

Our operating business lines of credit are here to make your life easier and your business more profitable. Efficiently meet immediate working capital needs, take advantage of vendor discounts and finance your accounts receivable – all while enjoying flexibility and low interest rates.

Small business owner with beard and glasses, sitting at his bar counter and banking on his phone in downtown Fargo, ND

Bank on Us to Serve You.

Your business is one of a kind and tailored to meet the needs of your customers. Your banking experience should be unique, as well! Enjoy better business banking with us.

arts business owner holding a crafted cup and looking at her computer

Mind Your Business.

As a business owner, expanding your knowledge and learning tricks of the trade are key to your success. Our financial education library is extensive and easy to absorb, keeping you – and your business – growing.

Calculate a Business Loan Payment.

Repayment of a business loan requires that the borrower make a monthly payment back to the lender. That monthly amount includes a partial repayment of the loan principal, plus monthly interest on the outstanding balance. Loan payments are amortized so that your 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.