Tradition Capital Bank

This is a trusted SBA lender offering various loan programs to support small business growth and expansion. You can find personalized service and flexible financing options tailored to your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available depending on availability.

The bank operates during regular business hours, typically from 9 AM to 5 PM, Monday through Friday. It is best to call ahead to confirm specific hours or to schedule an appointment.

There are no fees for initial consultations; however, standard loan application and processing fees may apply depending on the loan type and amount.

This lender primarily serves small businesses within the region, but eligibility is based on business criteria rather than residency alone.

Typically, a minimum personal credit score of 640 is preferred, but higher scores may improve approval chances.

The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of your application and documentation.

Most banks keep weekday business hours and are closed on weekends, and Tradition Capital Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Tradition Capital Bank to confirm current weekend availability before you go.

Tradition Capital Bank is located in Minnesota — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Tradition Capital Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Tradition Capital Bank itself, which runs its own lending under its own ownership. If you work at Tradition Capital Bank, you can claim this listing from this page to manage it.

The core details for Tradition Capital Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Tradition Capital Bank before applying. If you represent Tradition Capital Bank, claim this listing to keep its information up to date.

You can reach Tradition Capital Bank by phone at (952) 223-8000 or online at tradition.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Tradition Capital Bank before relying on them.

Like most SBA lenders, Tradition Capital Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Tradition Capital Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Tradition Capital Bank participates in SBA Express depends on its specific SBA lending authority. Contact Tradition Capital Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Tradition Capital Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Tradition Capital Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Tradition Capital Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Tradition Capital Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Tradition Capital Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Tradition Capital Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Tradition Capital Bank weighs this case by case under its own policy, so be upfront about your history and ask Tradition Capital Bank how it evaluates prior bankruptcies.