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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Bank of the San Juans
Online Banking Access

Business Loans

Built Around Your Business

Big banks make you fit their box. We’d rather build the loan around you. 

At Bank of the San Juans, business lending starts with a conversation, not an application. As a division of Glacier Bancorp, we combine local relationships and in-house decision-making of a hometown bank with the resources and stability of a regional banking leader. Whether you're opening your first storefront, expanding a ranch operation, or investing in new equipment or property, our local business lenders live and work in your community. 

Loan Options for Every Stage of Business

From your first line of credit to your next big expansion, we offer financing designed around how your business actually runs. 
 

Business Lines of Credit

Cover payroll during a slow month, stock up for a busy season, or bridge the gap between invoices and payment. A revolving line of credit from Bank of the San Juans gives your business working capital exactly when you need it, without reapplying every time. Draw what you need, pay interest only on what you use, and free up the funds again as you repay. 

Equipment Financing 

New machinery, vehicles, or office technology can take your business to the next level, but paying cash up front can stall it. Our equipment term loans are structured around your industry and your cash flow, so you can upgrade what keeps your business running without draining your reserves. 

Commercial Real Estate Loans 

Buying your own building or investing in income-producing property is one of the biggest moves a business owner makes. Our local lenders know the Colorado markets we serve and structure owner-occupied and investment property loans around your timeline, your equity position, and your long-term plans. 

Commercial Construction Loans 

Ground-up construction and major renovations need a lender who can move at the pace of a job site. We offer local approvals, competitive draw schedules, and financing that carries your project from groundbreaking through final walkthrough — often with a single approval covering both construction and permanent financing. 

SBA Loans 

Don’t have the collateral a conventional loan requires? An SBA-backed loan may open the door. We work with business owners to structure SBA 7(a) and 504 financing that fits your situation, backed by the added security of a federal guarantee. 

Local Lenders. Local Decisions. Real Access.

Here’s the difference: when you call Bank of the San Juans, you reach a lender who lives in your community. Our commercial loan officers are based right where you do business, so decisions get made locally, follow-up calls get answered quickly, and you always know exactly who’s handling your loan. 

  • Local, in-house underwriting and approvals. 

  • A named lender you can call directly. 

  • Financing structured around your business, not a one-size product sheet. 

  • Backed by the strength and resources of Glacier Bancorp. 

Ready to Grow Your Business?

Tell us what you’re building, and we’ll help you find the right financing to get there. Call 866-618-BOSJ (2675) and we’ll connect you with the right lender, or use the links below to get started online. 
 
 
 

Whether you're purchasing a space for your business or investing in income-generating property, our commercial real estate loans are designed to support your vision. Owner-occupied loans help you build equity and grow your business, while non owner-occupied financing can unlock new revenue streams. We offer competitive terms and personalized structures to fit your business model*. Let our team guide you through acquisition, refinancing, or improvement projects with confidence.


From breaking ground to final inspection, our construction and development loans provide the capital and flexibility needed to bring your project to life. We work closely with developers, builders, and business owners to structure financing that aligns with timelines and budgets*. Whether it's a single-use facility or a multi-phase development, our team ensures your funding keeps pace with progress.

Upgrade, expand, or replace your essential business tools with our customized equipment financing solutions. Whether you're acquiring machinery, vehicles, or office technology, we offer competitive rates and flexible terms to match your cash flow*. Our local lenders understand your industry and will work with you to structure financing that supports your operations.

Managing your cash conversion cycle is critical to maintaining momentum. Our financing solutions for accounts receivable and inventory provide the working capital you need to bridge gaps and seize opportunities*. Whether you're scaling up for seasonal demand or navigating slower turnover, we offer lines of credit tailored to your business rhythm. With flexible repayment options and local decision-making, we help you stay agile and efficient.

Affordable housing development requires deep expertise and flexible capital. Our LIHTC financing solutions support developers and investors working to create housing for low-income families*. We understand the complexities of tax credit syndication†, compliance, and layered funding structures.

Our team brings focused knowledge, experience, and personalized service to every project. Whether you're acquiring, rehabilitating, or constructing LIHTC properties, our team will help you navigate the process with confidence and clarity.


Public entities face unique challenges in funding infrastructure and capital projects.  Bank of the San Juans offers tailored financing solutions for municipalities, including Certificates of Participation, General Obligation and Limited General Obligation, Lease Purchase, Moral Obligation and more*.  Our team works closely with legal teams highly experienced in structuring financings that align with the legal and fiscal frameworks of local governments, school districts, and public agencies.


Running a ranch or other agricultural business presents unique challenges when compared to other small businesses. At Bank of the San Juans, we understand these complexities, and know that your financial needs are often determined by planting, harvesting and economic cycles. Our agricultural loans can be used for short-term operating expenses, intermediate-term equipment and machinery expenses, or long-term land or real estate expenses.* 



*Subject to credit approval.

† Consult your tax advisor for tax implications.