Lender record

St Cloud Financial Credit Union

The real lending record — every figure from funded deals. HQ: Sartell, MN.

Recent deals (FY20+)

$375K

Typical deal

14 days

Approval → funding

Where St Cloud Financial Credit Union lends

Deals St Cloud Financial Credit Union funded — list all 18 as text

EllieAnn LLC — Brainerd · $464K · FY2026 · Beauty Salons
Collins Brothers Towing of St. Cloud, Inc. — Saint Cloud · $2.3M · FY2025 · Motor Vehicle Towing
Rejuv Medical, P.A. — Waite Park · $2.2M · FY2025 · Offices of Physicians (except Mental Health Specialists)
The Hideaway on Broadway LLC — Rockville · $418K · FY2025 · Full-Service Restaurants
Simply Serene PLLC — Sauk Rapids · $375K · FY2025 · Beauty Salons
Hendricks Marketing LLC — Sartell · $48K · FY2025 · Offices of Real Estate Agents and Brokers
Kingsway Cleaning LLC — Pierz · $41K · FY2025 · Carpet and Upholstery Cleaning Services
Hair by Ry LLC — Waite Park · $20K · FY2025 · Beauty Salons
Custom Transfer Inc — Long Prairie · $1.0M · FY2024 · General Freight Trucking, Long-Distance, Truckload
Westlandia LLC — Saint Cloud · $515K · FY2024 · Full-Service Restaurants
Tim and Karen Coil Enterprises, Inc. — Waite Park · $507K · FY2024 · Automotive Body, Paint, and Interior Repair and Maintenance
Midwest Macarons LLC — Annandale · $254K · FY2024 · Snack and Nonalcoholic Beverage Bars
Oolala Chic Aesthetics LLC — Waite Park · $131K · FY2024 · Beauty Salons
Uniquely Northern Snow LLC — Willmar · $82K · FY2024 · Landscaping Services
Kartveyor L.L.C. — Belgrade · $76K · FY2024 · Farm Machinery and Equipment Manufacturing
Fainoah African Grocery Market LLC — Saint Cloud · $70K · FY2024 · Supermarkets and Other Grocery Retailers (except Convenience
Badcat Digital, Inc. — Saint Cloud · $71K · FY2023 · Advertising Agencies
Share House of Sartell Estates LLC — Sartell · $1.2M · FY2022 · Snack and Nonalcoholic Beverage Bars

Deal profile

Most St Cloud Financial Credit Union deals land between $71K and $515K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Beauty Salons (4)
2.Full-Service Restaurants (2)
3.Snack and Nonalcoholic Beverage Bars (2)
4.Motor Vehicle Towing (1)
5.Offices of Physicians (except Mental Health Specialists) (1)
6.Offices of Real Estate Agents and Brokers (1)
7.Carpet and Upholstery Cleaning Services (1)
8.General Freight Trucking, Long-Distance, Truckload (1)

Most active states

1.Minnesota (18 deals)

Franchises they finance most

Waxing the City

1 deals

Scooter's Coffee

1 deals

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Recent deals

EllieAnn LLC in Brainerd, MN — $464K (2026) · Beauty Salons
Program
7a General
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$348K (75%)
Approval → funding
6 days
Approved
1/27/2026
First disbursed
2/2/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
Waxing the City
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Beauty Salons
Your business? Claim this record · Request removal
Collins Brothers Towing of St. Cloud, Inc. in Saint Cloud, MN — $2.3M (2025) · Motor Vehicle Towing
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
14 days
Approved
1/17/2025
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
291
Business age
Existing or more than 2 years old
Industry
Motor Vehicle Towing
Your business? Claim this record · Request removal
Rejuv Medical, P.A. in Waite Park, MN — $2.2M (2025) · Offices of Physicians (except Mental Health Specialists)
Program
7a General
Rate at approval
9.25% variable
Term
240 mo (20 yrs)
SBA guaranteed
$1.6M (75%)
Approved
7/17/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
Existing or more than 2 years old
Industry
Offices of Physicians (except Mental Health Specialists)
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The Hideaway on Broadway LLC in Rockville, MN — $418K (2025) · purchase · Full-Service Restaurants
Program
7a General
Rate at approval
9.5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$314K (75%)
Approved
6/27/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$464K
Est. down payment (10%)
$46K
Est. cash at closing
$62K
Monthly payment
$4,365
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Simply Serene PLLC in Sauk Rapids, MN — $375K (2025) · Beauty Salons
Program
7a General
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$281K (75%)
Approval → funding
1 days
Approved
12/17/2024
First disbursed
12/18/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Beauty Salons
Your business? Claim this record · Request removal
Hendricks Marketing LLC in Sartell, MN — $48K (2025) · Offices of Real Estate Agents and Brokers
Program
7a General
Rate at approval
9.75% variable
Term
60 mo (5 yrs)
SBA guaranteed
$41K (85%)
Approval → funding
52 days
Approved
6/9/2025
First disbursed
7/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Your business? Claim this record · Request removal
Kingsway Cleaning LLC in Pierz, MN — $41K (2025) · purchase · Carpet and Upholstery Cleaning Services
Program
7a General
Rate at approval
10% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$35K (85%)
Approval → funding
2 days
Approved
2/12/2025
First disbursed
2/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Carpet and Upholstery Cleaning Services
If you were the buyer here
Est. deal size
$46K
Est. down payment (10%)
$5K
Est. cash at closing
$6K
Monthly payment
$871
Annual debt service
$10K
Cash flow needed (1.25×)
$13K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Hair by Ry LLC in Waite Park, MN — $20K (2025) · Beauty Salons
Program
7a General
Rate at approval
9.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$17K (85%)
Approval → funding
1 days
Approved
5/7/2025
First disbursed
5/8/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Beauty Salons
Your business? Claim this record · Request removal
Custom Transfer Inc in Long Prairie, MN — $1.0M (2024) · purchase · General Freight Trucking, Long-Distance, Truckload
Program
7a General
Rate at approval
10.75% variable
Term
118 months
SBA guaranteed
$750K (75%)
Approval → funding
68 days
Approved
10/13/2023
First disbursed
12/20/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
General Freight Trucking, Long-Distance, Truckload
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$13,763
Annual debt service
$165K
Cash flow needed (1.25×)
$206K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Your business? Claim this record · Request removal
Westlandia LLC in Saint Cloud, MN — $515K (2024) · Full-Service Restaurants
Program
7a General
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$386K (75%)
Approval → funding
54 days
Approved
12/23/2023
First disbursed
2/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
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Businesses St Cloud Financial Credit Union financed

18 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with St Cloud Financial Credit Union.

Agent summary

This page summarizes St Cloud Financial Credit Union's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

18 SBA 7(a) loans on record
$375K typical deal
4 business-acquisition loans
HQ: Sartell, MN

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/st-cloud-financial-credit-union
API:: https://www.capbench.com/api/public/lenders/st-cloud-financial-credit-union
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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