Scale Bank

Scale Bank had a great time connecting with local business leaders, community partners, and friends at the Midway Chamber of Commerce annual Midway on the Fairway Golf Tournament.

We were proud to support an event that brings together organizations committed to strengthening our local business community. Our team enjoyed meaningful conversations throughout the day and sharing our excitement about Scale Bank's continued growth and commitment to serving the Metro markets.

Thank you to our team members who represented Scale Bank at the event: Erik Larson, Ann Franklin, David Hart, Nicole Anderson, and Jared Essen.

The countdown is on! ⛳️

Scale Bank is proud to be a sponsor of this year's Minnesota Commercial Association of Real Estate Golf Tournament. We're looking forward to a great day of golf, networking, and supporting an organization that continues to strengthen Minnesota's commercial real estate community.

Be sure to stop by and meet Ann Franklin, Taylor Lagieski, and Erik Larson. We'd love to connect and hear what's happening in your business.

See everyone on the course next Tuesday!

We’re proud to announce the successful closing of a new $6,700,000 banking relationship with a Twin Cities manufacturer.

The relationship includes:
• Working Capital Line
• Equipment Line
• Owner-Occupied Real Estate Financing
• Treasury Management Services
• Operating Accounts

Our team is excited to support the company’s future growth through a full and comprehensive banking suite of products tailored to their evolving needs.

Thank you to everyone involved in making this transaction a success, including Heath Stanton, Erik Larson, Alli Hankey, Christopher Funk, and others.

SBA Lending FAQs: Straight Answers for Brokers & COIs

SBA lending doesn’t have to be complicated, but it does require the right partner.

In our latest resource, Scale Bank breaks down the most common questions from brokers, CPAs, and referral partners about SBA loans, from deal structure and eligibility to timelines and what actually helps a file move faster. Clear communication and lender alignment can make all the difference in getting deals across the finish line.

At Scale Bank, we believe better answers lead to better deals and stronger partnerships.

Read the full article for straightforward insights into SBA lending from the front lines.

SBA Lending FAQs: Straight Answers for Business Brokers and Referral Partners - Scale Bank Get answers to common SBA lending questions, timelines, preferred lender status, deal structure, and how brokers can help clients close faster.

Memorial Day | Remember & Honor

This Memorial Day, Scale Bank pauses to honor the brave men and women who gave their lives in service to our country. Their courage, sacrifice, and commitment to protecting our freedoms will never be forgotten.

As we spend time with family and friends, we encourage everyone to take a moment to reflect on the meaning of this day and remember those who made the ultimate sacrifice.

We are grateful today and every day for our service members, past and present.

Wishing you a safe and meaningful Memorial Day.

Memorial Day Bank Holiday Notice:

In observance of Memorial Day, Scale Bank will be closed on Monday, May 25th as we honor and remember the brave men and women who made the ultimate sacrifice in service to our country.

We extend our deepest gratitude to all service members, past and present, for their courage, dedication, and sacrifice.

We will resume normal business hours on Tuesday, May 26th.

Wishing you a safe and meaningful Memorial Day weekend.

Strong Warehouse Lending Relationships Start With Trust

In warehouse lending, success isn’t just about funding capacity; it’s about communication, transparency, and long-term partnership between lenders and mortgage bankers.

In this front-lines perspective, Scale Bank shares how the strongest relationships are built through proactive communication, clear expectations, and a shared commitment to managing risk and growth together. When both sides stay aligned, it creates stability even in a volatile market.

At Scale Bank, we believe warehouse lending works best when it feels like a partnership, not just a transaction.

Read the full article to see what’s driving stronger warehouse lending relationships in today’s market.

Building Stronger Warehouse Lending Relationships: A Perspective from the Front Lines - Scale Bank Insights on mortgage banker profitability, sustainability, counterparty risk, and the vital role of communication in warehouse funding.

Growth is exciting, but it can also put pressure on your cash flow.

When sales increase, businesses often need more working capital to cover inventory, payroll, equipment, and day-to-day operations before receivables come in. That’s where asset-based lending (ABL) can make a major difference.

Unlike traditional financing, asset-based loans allow businesses to leverage accounts receivable, inventory, and other assets to unlock additional liquidity and scale with confidence. For companies experiencing rapid growth, seasonal fluctuations, or unexpected opportunities, flexibility matters.

Mike Heil, Executive Vice President of Commercial Lending, walks through:
• How asset-based lending works
• When it makes sense to consider ABL
• Key differences between ABL and traditional business loans
• What to look for in the right lending partner

At Scale Bank, we work with growth-focused businesses to create financing solutions that support momentum, not slow it down.

Read the full article here:

Are Asset-Based Business Loans Right for Your Company? - Scale Bank Is asset-based lending right for your business? Using assets like inventory and receivables as collateral can offer flexible financing.

Last week Ann Franklin, our VP SBA Lending, attended the MN Real Estate Club's "Buying a Real Estate Business" panel. Three highly successful brokers — Manoj Moorjani of Calhoun Companies, Brian Slipka, CEO of Sunbelt Business Advisors of Minnesota, and Dan Huber of Transworld NorthStar - Offices in MN, IA, WI— shared the stage. With each representing a different brokerage, I was especially interested to see how competitors would approach the same topic.

Hearing their perspectives side‑by‑side was genuinely insightful. Despite coming from different firms, one theme stood out across all three: you can’t just buy any business that looks good on paper. You need to be passionate about the industry, and you need to understand that you’re not simply “buying a job.” You’re stepping in to lead a company with a legacy to uphold and employees who are counting on you.

A great reminder that buying a business is as much about purpose and leadership as it is about numbers.

What’s the single best piece of advice you’d give someone who’s thinking about buying a business?

Big thanks to Junior Achievement North for having the Scale Bank team out at Finance Park and BizTown last week!

Our team had a great time volunteering, connecting with students, and helping teach real-world financial and career skills in a fun, hands-on environment.

We’re proud to support programs that invest in the future of our communities and inspire the next generation.