Minnesota: business records and regulators
Where to look a business up in Minnesota, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Minnesota records and regulators
Business search
Look a business up in the state's register of businesses.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Minnesota
Official lists of the lenders that work in Minnesota. Each opens on its own site, filtered to Minnesota where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Minnesota on our route pages
- Business line of credit: There is no limit on interest, fees or other charges on credit to a corporation, LLC, partnership, cooperative or other organization. A sole proprietor's business loan of less than $100,000 may carry at most 4.5 percentage points above the Federal Reserve's discount rate; at $100,000 or more, under a written contract the borrower signs, there is no limit. A lender that charges a sole proprietor more than that limit, on a loan under $100,000, needs a regulated loan license from the state. (Minnesota Statutes 334.022: credit to organizations; Minnesota Statutes 334.011: rates of interest on business and agricultural loans; Minnesota Statutes 334.01: rate of interest (subdivision 2: contracts of $100,000 or more); Minnesota Statutes 56.01: necessity of license (Minnesota Regulated Loan Act); Minnesota Statutes 56.131: maximum rates and charges (loans up to $100,000))
- Co-op member shares and community offerings: Minnesota exempts a cooperative's sales of its securities to its members, or as part of joining, and its patronage dividends (Minn. Stat. 80A.46, clause 25). The co-op files a consent to service of process and a description of the offering with the Department of Commerce; a co-op under chapter 308B must also give buyers disclosure close to what Regulation D's Rule 502(b) requires. (Minnesota Statutes 2025, section 80A.46: exempt transactions)
- Co-op member shares and community offerings: A Minnesota co-op can also use MNvest (Minn. Stat. 80A.461) to sell to Minnesota residents who are not yet members, through a registered portal: up to $2 million in 12 months with audited or reviewed financial statements, at most $10,000 from each investor who is not accredited. (Minnesota Statutes 2025, section 80A.461: MNvest exemption)
- Equipment loans and finance agreements: There is no limit on interest, fees or other charges on credit to a corporation, LLC, partnership, cooperative or other organization. A sole proprietor's business loan of less than $100,000 may carry at most 4.5 percentage points above the Federal Reserve's discount rate; at $100,000 or more, under a written contract the borrower signs, there is no limit. A lender that charges a sole proprietor more than that limit, on a loan under $100,000, needs a regulated loan license from the state. (Minnesota Statutes 334.022: credit to organizations; Minnesota Statutes 334.011: rates of interest on business and agricultural loans; Minnesota Statutes 334.01: rate of interest (subdivision 2: contracts of $100,000 or more); Minnesota Statutes 56.01: necessity of license (Minnesota Regulated Loan Act); Minnesota Statutes 56.131: maximum rates and charges (loans up to $100,000))
- Intrastate offerings and state crowdfunding: MNvest (Minn. Stat. 80A.461) lets a business sell to Minnesota residents through a registered MNvest portal, under Rule 147A: up to $2 million in 12 months with audited or reviewed financial statements ($1 million without), at most $10,000 from each investor who is not accredited, with the money held in escrow until the minimum is reached, and a $300 filing fee. (Minnesota Statutes 2025, section 80A.461: MNvest exemption)
- Online business loans: There is no limit on interest, fees or other charges on credit to a corporation, LLC, partnership, cooperative or other organization. A sole proprietor's business loan of less than $100,000 may carry at most 4.5 percentage points above the Federal Reserve's discount rate; at $100,000 or more, under a written contract the borrower signs, there is no limit. A lender that charges a sole proprietor more than that limit, on a loan under $100,000, needs a regulated loan license from the state. (Minnesota Statutes 334.022: credit to organizations; Minnesota Statutes 334.011: rates of interest on business and agricultural loans; Minnesota Statutes 334.01: rate of interest (subdivision 2: contracts of $100,000 or more); Minnesota Statutes 56.01: necessity of license (Minnesota Regulated Loan Act); Minnesota Statutes 56.131: maximum rates and charges (loans up to $100,000))
Sources
- Office of the Minnesota Secretary of State: Business Filings Online (search by business name or file number) · checked October 20, 2026
- Office of the Minnesota Secretary of State: UCC / Tax Liens Online · checked October 20, 2026
- Minnesota Department of Commerce: home page (divisions include Financial Institutions) · checked October 20, 2026
- Minnesota Department of Commerce, Licensing: Securities · checked October 20, 2026