Keep your Business Moving

No matter your need, you don’t have to wait weeks for an approval for business loans through Sentry Bank!

We are a locally owned and operated community bank, which means we can make decisions quickly and get you the money you need to run your business. Whether you need real estate financing, an SBA loan to start or expand your business, equipment or inventory loans or a revolving line of credit, our business loans team has you covered.


We’re here to help the businesses in our community grow, and you’re one of them.

For you, growth might mean the purchase of a new building, or it may simply be a few renovations or an addition at your current location. Either way, our business loans are here for you. We can even refinance your current commercial real estate loan; with our competitive rates and quick decision making, we’ll get you back to doing what you do best in no time.


SBA business loans allow you to get the funds you need to start or expand your business with lower interest rates, more flexible repayment options and fewer conditions than traditional bank loans.

At Sentry Bank, we’re proud to be a Preferred Lender for the SBA. This allows us to streamline the application process for you more than other SBA lenders who are not part of the Preferred Lender Program (PLP.) We are especially trusted by the SBA due to our high level of experience in dealing with SBA business loans.

For questions, see our SBA Loan FAQ.

7(a) are the most popular type of SBA business loans, and are often used by new businesses to help with accounts payable, inventory, operating expenses and more.

CDC/504 are the next most popular type of SBA business loans, and are usually applied for by existing businesses to get help with purchasing/modifying land, purchasing/constructing buildings, and more.

Learn More


Keep your business ahead of the competition by applying for funding for equipment and inventory business loans.

As a local bank, we make the application process fast and simple so you can get your equipment and inventory quickly, to help you grow financially.


A line of credit is similar to a credit card, in that you’re able to make purchases and then pay them back. The line of credit is able to be used as cash though, while credit cards are more difficult to convert into cash.

A revolving line of credit provides you easy and convenient access to as much or as little capital as you need, when you need it. We work with you to provide competitive terms to meet your business’ unique needs. This is a great option for recurring inventory purchases or short-term expenses, while for long-term expenses you’ll still want to consider traditional business loans.

Meet Our Business Bankers:

Ryan Holthaus

Ryan has been with Sentry Bank for the last 6+ years, bringing 15+ years of business experience to his work with both new and established business customers. Ryan serves as the Senior Vice President/Senior Lender and is an active member of the Cold Spring community, St. James Catholic Church, Sertoma, as well as a current student of the Graduate School of Banking. Ryan also coaches baseball while being the President of the CSAYSA. See Ryan for any of your commercial banking needs.

NMLS #1469570

Kevin Fitzpatrick

Kevin has been with Sentry Bank for the last 4+ years, bringing over 20 years of banking experience, including 6 years of lending experience. Kevin serves as the Vice President of Commercial Lending. He has a BS in Business Management and an MBA in Business Administration. Kevin is on the Board of Directors for Big Brothers Big Sisters of Central MN and a member of the Sartell Chamber of Commerce. Outside of work, Kevin enjoys spending time outdoors with his wife and two daughters.

NMLS #1514570

Patrick Baumgard

Patrick is a Commercial Loan Officer with Sentry Bank and brings over 25 years of community banking experience. He has a BS Degree in Economics from Minnesota State University, Mankato and attended the Graduate School of Banking at the University of Wisconsin, Madison. He is certified in both Compliance and Security, achieving CCBCO and CCBSO designations through the ICBA. Patrick is active in both the St. Joseph and St. Cloud communities and is a board member of the Wright County EDP.

NMLS #794600

Matt Nelson

Matt Nelson is a Business Banking Relationship Manager at Sentry Bank serving the Twin Cities Market. Prior to joining Sentry, Matt spent 12 years at US Bank gaining diverse experience in Retail Consumer Banking, Community Banking, Middle Market and Business Banking. He received his undergraduate degree in Economics and Management Studies from St Olaf College. After spending 4 years in Ames, IA where Matt’s wife, Jessica, attended Veterinary School, he and his family moved back to MN. He and his wife and their 3 kids live in the Maple Grove area. Matt works with the MN Chapter of Juvenile Diabetes Research Foundation to execute the JDRF Walk for a Cure each year.