You have more important things to worry about.

Let us handle the finances.

Your business is your first priority—you're ours.

When you are searching for reliable banking for your business, you want a company that works for you, not your money. Here at Luminate Bank, we provide a wide variety of business banking services to help keep your business running smoothly. You can rest assured knowing your assets are secure and your funds are protected while you focus on your short and long-term business goals.

CHECKING

Learn more about all of our business checking account options and how we can help your finances.
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SAVINGS

You can feel safe and reassured knowing your business' money is safe and secure with our variety of business savings account options.
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TREASURY MANAGEMENT

Our treasury management solutions are designed to provide maximum value by optimizing cash flow, minimizing expenses and helping businesses achieve their financial objectives.
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CD's

Use a Luminate Bank CD (Certificate of Deposit) to save for your short and long-term financial goals!
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Business CDs

Need a bank CD? We can help with that too! Use a Luminate Bank CD (Certificate of Deposit) to save for your short and long-term business goals! All deposits are insured up to the legal limit by the FDIC, so you can feel safe and secure that your funds are protected.

Features

Low Minimum to Open
Competitive Rates
Flexible Terms

Business Loans

Business Term Loans

Luminate Bank wants your business to have room to grow and change. We can give you access to cash to help you succeed both in times of growth or times of uneven cash flow. We can offer:

Loans with monthly principal and interest payments
Loans used for equipment purchasing, owner buyouts, acquisition financing, and more

Commercial Real Estate

Commercial real estate is made easy when you work with Luminate Bank. Our customer service puts you first and our team will work one-on-one with you to help you reach your business goals.

We can help you acquire or refinance commercial buildings, as well as finance properties like:

Apartments
Business Offices
Retail Residential Homes Owned in LLCs
And more!

Approval required.

Lines of Credit

We help you prepare for your ever-changing business needs so you always have access to cash that's needed for you to sustain and grow your dream. With our revolving lines of credit to help your business grow, we can make that happen!

Features

Manage Your Cash Flow
Grow Your Business On Your Terms
Get Access to Short Term Funding When You Need It

Cash Management

Need a bank that has the tools and technology to back up your business? We're here for you. Our team is all about ensuring we're up to date on the latest banking features so that we can make running your business that much easier.

Merchant Card Processing

Luminate Bank makes it easy for your business to accept major debit and credit cards with our merchant card processing.

Features

Excellent Customer Service
Multiple Solutions
Competitive Pricing

Remote Deposit

Our remote deposit allows you to make deposits from anywhere, eliminating the need to make a trip to the bank.

Features

Simple and safe banking
Ability to scan and have deposits transmitted in a matter of minutes

Bill Pay

It's free, it's convenient, and always available for you to use! Our online bill pay allows for an unlimited amount of bill payments. If we can't send an electronic payment, we'll issue a paper check for you.

Mobile Banking

Access your account ANYWHERE. Our Luminate Bank app provides an easy and secure way to deposit checks*, pay your bills, view account alerts, initiate account transfers, download or print your e-statements, check your account balance, and more—all from your mobile device.

Download our app today for both Apple and Android.

*Please contact us at 952.939.7200 to enroll in mobile deposit.

SBA Loans

Luminate Bank wants your business to have room to grow and change. We can give you access to cash to help you succeed both in times of growth or times of uneven cash flow.

SBA Express

Luminate Bank will give you an accelerated turnaround time for SBA review to get you working capital lines of credit and term loans for under $350k. This flexible financing can be used for working capital term loans or lines of credit that you can use to grow your dream.

SBA 7A Loans

This low cost, long term loan is the most popular small business loan. SBA 7A can help you with business acquisitions, equipment purchases, or commercial real estate financing. This long-term loan offers up to 10-year amortizations.

SBA 504

This loan is designed to provide you with financing for fixed assets such as equipment or real estate financing with 10, 20, or 25-year amortizations and 10, 20, 25-year fixed rates on the SBA funded portion of loan.

Approval required.