Kelly Karja
This email address is being protected from spambots. You need JavaScript enabled to view it.

Nice Enough to Give You a Jacket.

Trust your family farm with our family bank.

The financing solutions available to you at First Independent Bank can help you expand or help you survive. They can provide you with the money you need to launch, or the support you need to change course. Our financing team is here to help you find the right options. Learn More


Talk to a financing expert at FIB.

Some restrictions may apply. Jackets available while supplies last.

An SBA-504 Loan may give you the opportunity to build or expand your business in ways you previously thought were impossible. Higher lending thresholds put more opportunities within reach for business owners. With interest locked at below-market rates for the life of the loan and with as little as 10% down required, an SBA-504 may be the right lending option for your Ag business.

Build Your Business with FIB Beside You

Whatever business you’re building or expanding — whether building out an Ag operation or renovating a hotel — the lending experts at First Independent Bank have your back. The work we’re doing is helping our neighbors’ businesses grow.

Local Lending Decisions Building Local Businesses

Get Started on your SBA-504 Loan with FIB

Not Sure What Direction to Go with Business Lending? 

We can help give you some perspective and direction in your Ag business lending decision. Our lending team has both the business expertise and the lending experience with making these small business loans a reality for owners across the state of Minnesota. 

Talk to a Lending Professional



Lower Appraisal Costs = Lower Refi Costs.

Save $100 on your appraisal when you refinance with First Independent Bank.

Use code #REFIB when you apply.

A Mortgage that Fits Your Life

Our expertise is looking out for you, connecting you with the right financial moves and helping you make the right financial decisions.


Lost or Stolen Card?




How Are We Doing?

Tell Us

Mortgages Made Simple

Our new online mortgage application makes buying and refinancing even easier.

Apply Now

We’re proud to feature our 2022 calendar contest winners.

Mitch Boeck, 1st Place Winner, August

View All

fib logo vertical white 500 438

Big enough to know business. Small enough to know You.

Stay Connected: