North Dakota

Commercial Real Estate in North Dakota

Fast, flexible commercial real estate for 63,000 businesses across North Dakota. Funding from $100K to $5.0M.

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North Dakota Business Snapshot

780,343
Population
63,000
Active Businesses
$78,234
Median Income
midwest
Region

Why North Dakota Businesses Choose Commercial Real Estate

North Dakota is home to 63,000 businesses generating significant economic activity across the midwest region. With a median household income of $78,234, the state offers a strong consumer market for well-capitalized businesses.

Commercial Real Estate from Nautix Capital helps North Dakota businesses access funding ranging from $100K to $5.0M, with approval times of 20-30 days. Whether you operate in Bismarck, Fargo, or anywhere across the state, we serve businesses in every county and city.

“
I had doubts going in, especially after being burned by another lender. But from the first conversation, the difference was obvious. They actually listened. The funding came through quickly, but more importantly, the structure worked for my business. That kind of care and speed is rare. I'm grateful.
Brittany Williams
Verified Nautix Capital Client

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Commercial Real Estate by City in North Dakota

Select your city to find specific funding information and local business data.

Bismarck

Pop: 73,529
Biz: 1,400
Growth: 3.2%
Income: $64,200

Fargo

Pop: 150,990
Biz: 2,800
Growth: 4.9%
Income: $65,100

Grand Forks

Pop: 82,744
Biz: 1,400
Growth: 2.8%
Income: $54,800

Minot

Pop: 49,920
Biz: 1,100
Growth: 1.8%
Income: $57,200

West Fargo

Pop: 38,921
Biz: 850
Growth: 4.2%
Income: $72,500

Williston

Pop: 29,586
Biz: 680
Growth: 2.6%
Income: $68,400

Dickinson

Pop: 25,385
Biz: 580
Growth: 2.1%
Income: $62,100

Mandan

Pop: 23,090
Biz: 520
Growth: 2%
Income: $63,800

Jamestown

Pop: 15,590
Biz: 380
Growth: 1.4%
Income: $48,700

Devils Lake

Pop: 7,442
Biz: 210
Growth: 1.1%
Income: $45,200

Moorhead

Pop: 45,000
Biz: 2,451
Growth: 2.5%
Income: $65,100

All Business Funding Options in North Dakota

Working Capital

Fast funding to cover payroll, inventory, or cash-flow gaps when you need to move quickly.

$50K - $500K | 48-72 hours

Revenue-Based Funding

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

$25K - $500K | 24-48 hours

Business Line of Credit

Revolving credit you draw as needed. Only pay for what you use.

$10K - $250K | 3-5 business days

Invoice Factoring

Turn unpaid invoices into immediate working capital without taking on new debt.

$10K - $1.0M | 24 hours

PO Financing

Fund large orders upfront so you can say yes to bigger opportunities.

$10K - $500K | 2-3 days for verification, 5-7 days to fund

Equipment Financing

Finance new or used equipment with predictable payments that fit your cash flow.

$10K - $500K | 3-5 days approval, 5-10 days to funding

SBA Loans

Government-backed financing with lower rates and longer terms. 7(a), 504, and more.

$50K - $5.0M | 30-60 days

Commercial Real Estate

Current

Acquisition, refinance, or development for owner-occupied commercial or investment properties.

$100K - $5.0M | 20-30 days

REI Loans

Fix & flip, DSCR rentals, bridge, and construction financing for business or investment purposes.

$50K - $2.0M | 5-10 days

SBA Lending Activity in North Dakota

Fiscal Year 2024 (Oct 2023 – Sep 2024) · SBA 7(a) Loan Program

172
7(a) Loans Approved
$78.0M
Total Approved
$453,531
Avg. Loan Size
2% above
vs. National Avg.

SBA Lending Context

In FY2024, the SBA approved 172 loans totaling $78.0M for North Dakota small businesses. The average 7(a) loan size in North Dakota was $453,531, which is 2% above the national average of $443,097.

Nationally, the SBA supported 103,000 financings totaling $56.0B in FY2024, the highest level since 2008.

SBA District Office

  • North Dakota District Office

Top SBA-Funded Industries in North Dakota

1Agriculture
2Restaurants
3Construction
4Healthcare
5Retail Trade

Source: U.S. Small Business Administration, FY2024 Lending Statistics · SBA Open Data Portal

Last Updated: February 2026

Commercial Real Estate FAQ for North Dakota

How do I apply for commercial real estate in North Dakota?
Apply online at nautixcapital.com/smartmatch. We serve all businesses across North Dakota. Most applications are reviewed within 20-30 days.
What are the requirements for commercial real estate in North Dakota?
North Dakota businesses need a minimum annual revenue of $150K, at least 2 year(s) in business, and a credit score of 650+.
How much funding can North Dakota businesses get?
North Dakota businesses can access commercial real estate ranging from $100K to $5M, depending on qualifications and business needs.
What is the difference between owner-occupied and investment property financing?
Owner-occupied properties house your business operations. Down payments are typically 20-30%. Investment properties generate rental income. Down payments are typically 25-35%. Both are financed, but underwriting differs based on income source.
What down payment is required?
Typical down payments are 20-30% for owner-occupied properties and 25-35% for investment properties, though some programs offer lower down payments depending on circumstances.

Data sourced from U.S. Census Bureau (2024 American Community Survey), Bureau of Labor Statistics, and SBA district lending reports. Market data is updated periodically and may not reflect the most current figures.

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