Local Lenders, Local Decisions

Nathan K. Wilner

VP / Commercial Loan Officer
Wyoming, Minnesota
nwilner@fsbwyoming.com

O: 651-462-7612

As a commercial loan officer at First State Bank of Wyoming, Nate provides his clients with the information necessary to make confident decisions about financing their dreams. With more than 24 years of experience in all aspects of lending, Nate has the skills and expertise to meet all of his clients’ borrowing needs.

Nate
Jim
James E. Friend

VP / Commercial Loan Officer
Wyoming, Minnesota
jfriend@fsbwyoming.com

NMLS ID: 712638

O: 651-462-7629

As a commercial loan officer at First State Bank of Wyoming, Jim provides his clients with the information necessary to make confident decisions about financing their dreams. With more than 35 years of experience in all aspects of lending, Jim has the skills and expertise to meet all of his clients’ borrowing needs.

We’ve earned a reputation for dealing fairly with our customers and for honoring our commitments. We’re in the people business and we never forget who made our success possible.

We offer fixed and variable interest rates with a variety of payment plans. We invite you to speak with one of our experienced lenders today to discuss your commercial lending needs and find out why we are the “bank of choice.”

You will have the opportunity to deal directly with those involved in the decision-making. We offer many loan programs for businesses.  We can help finance your new business venture, expansion, equipment purchases, general operating costs, and even those unexpected expenses.

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Business Lines of Credit

Give your business flexibility with fast access to capital to cover business expenses.

Short-term funding can help you go the distance.

  • Use your line of credit funds repeatedly over a period of years without an approval process each time.
  • Pay interest only on the funds you use.
  • No fees for loan advances.
  • No annual maintenance fees.
  • No fees for unused balances.
  • Pay off all or any part of your outstanding balance at any time without penalty.
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SBA Loans / PPP

First State Bank of Wyoming partners with the Small Business Administration (SBA) to help smaller businesses succeed.

As an SBA Approved lender we offer many SBA loans including SBA 7A, SBA 504 and PPP Loans.

Paycheck Protection Program (PPP)

  • The PPP is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.
  • SBA will forgive PPP loans if all employees are kept on the payroll for eight weeks and the money is used to for payroll, rent, mortgage interest, or utilities.
  • Additional resources can be found on the Small Business Administration website.
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Commercial Real Estate Loans

Whether you’re building or buying, with the guidance of our lenders you are sure to find the perfect space for your growing business.

We take great pride in watching businesses in our local community flourish.

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Available for owner-occupied or investment properties
  • Repayment terms customized to fit your business’s unique needs
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Agriculture Loans

Land is how you make your living.

We offer a wide variety of agricultural financing options, enabling us to customize our loans to meet your unique needs.

  • Repayment terms customized to fit your agribusiness’s unique needs.
  • Lending professionals with working knowledge of the local real estate market.
  • Operating Lines of Credit
  • Machinery Loans
  • Livestock Loans
  • Farm Real Estate Loans
  • Farm Facility/Improvement Loans

Talk to one of our experienced Agriculture Lenders today!

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Inventory & Equipment Loans

When you’re buying equipment, you need capital.  We have the business expertise and competitive pricing to meet your needs.

Get the equipment that your business needs.

  • We provide financing for inventory, machinery and various types of equipment.
  • We can support your growth and provide long-term financing.
  • Fixed & variable rate loans.
  • Flexible payment terms.

Talk to our lending team today.  Call 651-462-7611 now!

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CHISAGO COUNTY INDUSTRIAL ENTERPRISE PROGRAM

Expanding businesses within Chisago County may qualify for below market rate loans through the Chisago County Industrial Enterprise Program.

First State Bank of Wyoming is involved with this project and has helped several local business people expand their existing businesses. For more information, contact one of our commercial lenders at (651) 462-7611.

Business Credit Cards

With one of our Visa® credit cards, you can equip your business with the spending power it needs. Choose the card suited for your business needs!

Business credit cards aren’t just for people with storefronts or offices. Having a dedicated card for your money-making enterprise helps you keep business and personal finances separate.

Explore the rewards and benefits of our business credit cards and find the right business card to help grow and run your business.

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ScoreCard Rewards

Earn reward points.

Let all those purchases work for you, with a rewards card!

  • Score Some Rewards. Earn 1 point for every dollar, redeem for brand-name merchandise, travel, or office supplies. Discover more at www.ScoreCardRewards.com.
  • Advertise your business on Yelp! Receive $50 in bonus ad spend when you spend $150 on Yelp Ads in a given month. For full terms and conditions regarding the Yelp offer, visit https://biz.yelp.com/landing/visa/#terms.
  • Low Interest Rates.

Visit https://fsbwyoming.ubb.key.credit/business/scorecard-rewards/ for more information.

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Visa Platinum

Low Rates.

Your card offers more than just a competitive rate.

  • 24/7 Access. Enroll your card at mycardstatement.com, view transactions, make payments, and set up alerts.
  • Advertise your business on Yelp! Receive $50 in bonus ad spend when you spend $150 on Yelp Ads in a given month. For full terms and conditions regarding the Yelp offer, visit https://biz.yelp.com/landing/visa/#terms.
  • Zero Liability. Feel safe making purchases in person, online, or through your Mobile Wallet

Visit https://fsbwyoming.ubb.key.credit/business/visa-platinum/ for more information.

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Business Accounts

First State Bank of Wyoming offers business checking for all sizes and type of businesses. Get started today!

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Business Services

Offering what you need to get the job done. ACH, Wire, Digital Banking, Positive Pay all the tools you need.

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Online Tools

Financial Calculators, Today's Rates, Security Tips & more tools that combine service, security & technology.

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