Lending
Borrow for what's next — personal, business or an entire project
Apply in your banking portal, upload your business and government documents securely, and follow every stage of the decision in one place.
What you can borrow
Personal loan
Consolidate debt or fund a large purchase.
- Amount
- $2,000 – $50,000
- Rate
- 8.99% – 17.99% APR
- Term
- 12 – 60 months
Auto loan
New, used, or refinance an existing vehicle.
- Amount
- $5,000 – $85,000
- Rate
- 6.49% – 12.99% APR
- Term
- 24 – 84 months
Home mortgage
Buy or refinance a primary or second home.
- Amount
- $60,000 – $2,000,000
- Rate
- 5.95% – 8.40% APR
- Term
- 120 – 360 months
Home equity loan / HELOC
Borrow against the equity you already hold.
- Amount
- $15,000 – $500,000
- Rate
- 7.25% – 12.50% APR
- Term
- 60 – 240 months
Construction loan
Draw-based funding for new builds and renovations.
- Amount
- $50,000 – $3,000,000
- Rate
- 8.50% – 13.75% APR
- Term
- 12 – 36 months, then term-out
Education loan
Tuition, housing, and certification costs.
- Amount
- $2,000 – $150,000
- Rate
- 5.75% – 11.99% APR
- Term
- 60 – 180 months
Medical & dental finance
Planned procedures and practice equipment.
- Amount
- $2,000 – $100,000
- Rate
- 7.99% – 16.99% APR
- Term
- 12 – 84 months
Business term loan
Working capital, hiring, expansion.
- Amount
- $10,000 – $500,000
- Rate
- 9.25% – 19.50% APR
- Term
- 12 – 84 months
SBA-style guaranteed loan
Longer terms for qualifying small businesses.
- Amount
- $25,000 – $5,000,000
- Rate
- 8.25% – 13.50% APR
- Term
- 60 – 300 months
Business line of credit
Revolving cash cushion, draw only what you use.
- Amount
- $5,000 – $250,000
- Rate
- 10.50% – 22.00% APR
- Term
- Revolving, 12-month review
Equipment finance
Machinery, vehicles, and fit-out secured on the asset.
- Amount
- $10,000 – $750,000
- Rate
- 7.75% – 15.00% APR
- Term
- 24 – 84 months
Agriculture & farm loan
Land, livestock, crop inputs, irrigation, and harvest cycles.
- Amount
- $10,000 – $2,500,000
- Rate
- 6.95% – 13.50% APR
- Term
- Seasonal lines to 240 months
Transportation & fleet
Trucks, trailers, and logistics fleet growth.
- Amount
- $15,000 – $1,500,000
- Rate
- 7.50% – 15.75% APR
- Term
- 24 – 84 months
Franchise finance
Franchise fees, build-out, and multi-unit growth.
- Amount
- $50,000 – $2,000,000
- Rate
- 8.75% – 16.50% APR
- Term
- 36 – 120 months
Invoice & contract finance
Advance against approved invoices and contracts.
- Amount
- $10,000 – $1,000,000
- Rate
- Discount fee, quoted per facility
- Term
- 30 – 120 day cycles
Commercial real estate
Purchase or refinance owner-occupied property.
- Amount
- $100,000 – $5,000,000
- Rate
- 7.10% – 11.25% APR
- Term
- 60 – 300 months
Energy & sustainability
Solar, storage, efficiency retrofits, and clean fuel.
- Amount
- $25,000 – $10,000,000
- Rate
- 6.75% – 12.25% APR
- Term
- 60 – 240 months
Nonprofit & faith-based
Facilities, programs, and community lending.
- Amount
- $25,000 – $3,000,000
- Rate
- 6.50% – 11.75% APR
- Term
- 60 – 240 months
Project finance
Milestone-funded builds, energy, and infrastructure.
- Amount
- $250,000 – $25,000,000
- Rate
- Structured, quoted per project
- Term
- Structured to milestones
Rates shown are current ranges and are not an offer of credit. Your rate depends on credit history, affordability and the documents supplied. All lending is subject to approval. Equal Housing Lender. Northstar National Bank, N.A.
How the application works
Apply online
Tell us the amount, term and purpose. Business borrowers add company details.
Upload records
Business registration, tax returns, bank and financial statements, government records and photo ID.
Underwriting review
Our lending team reviews affordability and verifies the documents you provided.
Decision & funding
You get a decision with the approved amount and rate, tracked in your portal.
Project funding
Developers, operators and founders can submit a project for milestone-based funding. Share the plan, funding required, timeline and expected return, attach the feasibility documents, and our commercial team responds with next steps.
- Project plan and feasibility study
- Company registration and government filings
- Two years of financial statements
- Bank statements for the operating account