Woodlands National Bank

Woodlands National Bank is a community commercial bank headquartered in Onamia, MN, operating seven locations across Minnesota. It holds SBA Preferred Lender status, which allows it to process SBA loan applications in-house — typically speeding up approval timelines compared to non-preferred lenders. The bank appears to make credit decisions locally, which can be an advantage for small business borrowers who want to work directly with decision-makers rather than navigate a distant underwriting team. Products available to business borrowers include lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Specific rate ranges, minimum credit scores, and revenue requirements are not publicly disclosed, so prospective borrowers will need to contact the bank directly for qualification details. Woodlands National Bank appears well suited for Minnesota-based small businesses that prefer a relationship-oriented community bank with SBA lending capability.