Our company is built on understanding, anticipating and meeting the needs of our customers, partners, employees and the communities we serve. We are dedicated to helping our customers grow, which also benefits our employees, our neighbors and our communities—And that’s good for all of us.

Northland Capital is a privately owned direct lender dedicated to providing business capital with a spirit of integrity, commitment and excellence. We are headquartered in St. Cloud, Minnesota and work with businesses nationwide. Our partnership with, Harvest Land Cooperative and its financial division AgQuest Financial, allows us to provide specialized service that comes from a small-company atmosphere.

You’re worth more

In business, trust is everything. That is why you’re worth more is the focus on our unique commitment to customer service. It’s the reason we involve ourselves so closely with the industries in which we work and the customers we serve.

"Saying what we mean and meaning what we say is a key component of who Northland Capital is," states CEO & Founder, Willis Kleinjan. "We know that people do business with people they like and trust and we want to earn your business. But, mostly, we do business this way because that's who we are. It's not our strategy but our nature, and when we say 'you're worth more,' we mean it."


We seek to honor God by being faithful stewards of the gifts He has entrusted us with to enrich the lives of our customers, partners and employees.


Providing business capital with a spirit of integrity, commitment and excellence.