Small Business Loans in St. Paul, MN, All Programs
St. Paul has a diverse economy with key industries including healthcare, manufacturing, and professional services. These sectors employ a significant portion of the workforce and contribute to the city's reputation as a hub for skilled professionals.
Business funding in St. Paul, by the numbers
- Most firms applying for financing seek $100K or less, per the Fed's Small Business Credit Survey. (Federal Reserve)
- The U.S. is home to more than 33 million small businesses. (SBA Office of Advocacy)
Reviewed July 2026 · figures link to primary sources.
Which St. Paul program fits? A quick comparison
Every program below is arranged through one local broker. Here is how the most-asked-about options compare on amount, speed, and best use.
| Program | Typical amount | Funding speed | Best for |
|---|---|---|---|
| Working Capital Loans | $25K–$2M | ~24 hours | Fast capital to cover operations and growth. |
| Business Line of Credit | $10K–$1M | 1–5 days | Revolving capital you draw only when you need it. |
| SBA Loans | $50K–$5M | 2–8 weeks | Low-rate, long-term SBA 7(a), Express & 504 financing. |
| Equipment Financing | $10K–$5M | 1–3 days | Fund equipment, keep your cash. |
| Invoice Factoring | $10K–$3M | 2–5 days | Sell invoices for immediate cash. |
Money programs
SBA Loans
Low-rate, long-term SBA 7(a), Express & 504 financing.
Learn more →02SBA 7(a) Loan
The flexible SBA workhorse for growth and acquisition.
Learn more →03Business Line of Credit
Revolving capital you draw only when you need it.
Learn more →04Working Capital Loans
Fast capital to cover operations and growth.
Learn more →05Small Business Loans
Right-sized funding for local small businesses.
Learn more →06Short-Term Business Loans
Quick-turn capital paid back over months.
Learn more →07Merchant Cash Advance
Advance against future card sales.
Learn more →08Unsecured Business Loans
Funding without collateral.
Learn more →09Startup Business Loans
Capital for newer St. Paul ventures.
Learn more →10Business Acquisition Loans
Financing to buy an existing business.
Learn more →11Accounts Receivable Financing
Borrow against unpaid invoices.
Learn more →12Invoice Factoring
Sell invoices for immediate cash.
Learn more →13Revenue-Based Financing
Repay as a share of revenue.
Learn more →14Same-Day Business Loans
Funding that can hit today.
Learn more →15Business Lenders Near Me
A local St. Paul advisor, many lenders.
Learn more →16Business Loan Broker
We shop 20+ lenders for you.
Learn more →17Commercial Loan Broker
Brokerage for larger commercial deals.
Learn more →18Equipment Financing
Fund equipment, keep your cash.
Learn more →Industry financing
Dental Practice Loans
Acquisition, build-out, and equipment financing for St. Paul dental practices.
Learn more →02Medical Practice Loans
Capital for St. Paul clinics.
Learn more →03Restaurant Loans
Working capital, equipment, and MCA for St. Paul restaurants.
Learn more →04Trucking Business Loans
Truck financing and factoring for Minneapolis-Saint Paul carriers.
Learn more →05Commercial Construction Loans
Ground-up and build-out financing across the metro.
Learn more →06Hotel Loans
SBA 504 and bridge financing for hospitality.
Learn more →07Salon Business Loans
Build-out and working capital for salons and spas.
Learn more →08Retail Business Loans
Inventory and cash-flow funding for St. Paul retailers.
Learn more →09Auto Repair Shop Financing
Equipment and expansion capital for shops.
Learn more →10Ecommerce Business Funding
Inventory and ad-spend capital for online sellers.
Learn more →11Food Truck Financing
Truck purchase and working capital for mobile food.
Learn more →12Gym & Fitness Business Loans
Equipment and build-out for fitness studios.
Learn more →13Manufacturing Equipment Financing
Machine and line financing for St. Paul manufacturers.
Learn more →14Agriculture Equipment Financing
Equipment credit for ag operations in the region.
Learn more →15Landscaping Equipment Financing
Seasonal equipment and working capital for landscapers.
Learn more →16Farm Credit Financing
Operating and equipment credit for farms.
Learn more →17SBA Loans for Daycare
SBA financing for childcare centers.
Learn more →18SBA Loans for Franchises
Financing to open or grow a franchise.
Learn more →19SBA Express for Veterans
Expedited SBA financing for veteran-owned businesses.
Learn more →20Women-Owned Business Funding
Programs and grants supporting women founders.
Learn more →St. Paul-area service areas
West St. Paul
West St. Paul is a growing business community with a mix of retail and service industries.
Funding in West St. Paul →Lilydale
Lilydale offers a serene environment for businesses, particularly in the service and retail sectors.
Funding in Lilydale →Falcon Heights
Falcon Heights is known for its residential charm and small business opportunities.
Funding in Falcon Heights →Maplewood
Maplewood is home to a variety of businesses, including retail and healthcare services.
Funding in Maplewood →Little Canada
Little Canada has a strong business presence, particularly in retail and light manufacturing.
Funding in Little Canada →Mendota Heights
Mendota Heights features a mix of corporate offices and small businesses in a suburban setting.
Funding in Mendota Heights →South St. Paul
South St. Paul has a vibrant business community, particularly in manufacturing and logistics.
Funding in South St. Paul →Oakdale
Oakdale is a diverse business hub with a focus on retail and professional services.
Funding in Oakdale →North St. Paul
North St. Paul has a growing business environment that supports local entrepreneurs.
Funding in North St. Paul →Lauderdale
Lauderdale is a small community with a focus on local businesses and services.
Funding in Lauderdale →