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Business Loans

We at Ultima Bank Minnesota offer a full line of Credit Services, including, but not limited to:


  • Equipment & Machinery
  • Livestock
  • Operating Lines of Credit
  • Real Estate


We offer a full set of ag related loan products. For example, our agricultural loan department...

  • can provide any type of credit whether it's for spring operating, to invest in real estate or purchase a different tractor;
  • is staffed with specialists who have the latest tools to help you manage your business needs such as cash flow projections, year-end analysis, enterprise analysis or your annual operating requirements;
  • is a "Certified" Farm Service Agency lender, which means we can expedite the FSA Guarantee Application process;
  • works closely with the Minnesota Rural Finance Authority to utilize state funded programs for loans such as Beginning Farmer Program, Restructure Program, Ag Improvement Program, Livestock Improvement Program and Stock Loan Program;
  • is a member of Farmer Mac and the Federal Agricultural Mortgage Corporation, which means we can make real estate loans at fixed interest rates to qualifying applicants.

We also offer very competitive rates. For more information, click here to e-mail our Ag Credit Department directly.



  • Equipment, Furniture & Fixtures
  • Inventory & Operating Lines of Credit
  • Construction & Real Estate




We are your full service commercial banking solution, offering a wide range of short and long term loan products.  Our experienced commercial loan officers can assist in commercial expansions, new construction, business acquisitions and start-ups.

We work closely with the Small Business Administration utilizing their 7(a) guarantee program and are an approved SBAExpress Lender, doing both SBAExpress and SBA PatriotExpress loans.  We partner with the Minnesota Business Finance Corporation in providing SBA 504 real estate financing.

In addition, we work with the Northwest Regional Development Commission, Small Business Development Center, Northwest Minnesota Foundation and local development authorities to find the best solution for your commercial credit needs.

For more information, click here to e-mail our Commercial Credit Department directly.





Commercial Real Estate

  • Agricultural
  • Commercial
  • Residential


We offer a full set of real estate related loan products for agricultural, commercial and residential applications. 

For more information, click here to email our Real Estate Credit Department directly.


Lease Financing

  • Agricultural
  • Commercial
  • Municipal


Partnered with Kinetic Leasing, Inc. of Fargo, ND, we offer Facility and Equipment leases customized to your specific needs.  UBM's lease financing allows you to keep your business local and work with the loan officer who knows you and your business.

For more information, email our Lease Financing specialists directly.