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:

Doug Danielson

Doug has been with Sentry Bank for the past 26 years, with 39 total years of experience in the financial industry. He has developed his career over the years and currently maintains the position of Senior Vice President and Senior Commercial Lender for the bank. He is also an active citizen within the St. Joseph community.

NMLS #764389

Ryan Holthaus

Ryan has been with Sentry Bank for the last 3 years, bringing 11 years of business experience to his work with both new and established business customers. Ryan serves as the VP of Commercial Lending and is an active member of the Cold Spring community. Ryan also plays and coaches baseball while being a board member of the CSAYSA. See Ryan for any of your commercial banking needs.

NMLS #1469570

Kevin Fitzpatrick

Kevin is a Commercial Loan Officer and has over 16 years of banking experience, including 3 years of lending experience. 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. He is also a Junior Achievement classroom volunteer as well as an active member in the Sartell Chamber of Commerce.

NMLS #1514570

Clay Fischer

Clay is a Commercial Loan Officer and has been in the banking business for over 7 years. He has a BS from University of Minnesota-Morris. Clay lives in Albany and enjoys sports, the outdoors, and traveling to new places!