# Highland Bank

Cash flow loans from half a million of EBITDA.

A Minnesota bank whose acquisition lending page runs two desks side by side: senior cash flow loans for lower middle market companies with $500,000 to $5 million of EBITDA, and SBA 7(a) acquisition financing as a Preferred Lender, with search funds named among the sponsors the cash flow desk partners with.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Diligence & Close the Deal
- Website: https://highland.bank/for-your-business/loans-lines/acquisition-loans/

## At a Glance

The first call for a deal just past the [7(a)](https://searchspheresource.com/glossary/sba-7a) with under two million of [EBITDA](https://searchspheresource.com/glossary/ebitda), because nobody else here publishes a floor that low.

## What It Costs

Loan products; terms by term sheet. The page publishes the cash flow desk's revenue and EBITDA bands and, for the SBA desk, a 10% down payment and loans up to $5 to $9 million in certain situations (per highland.bank, September 2026).

## Best For

A [searcher](https://searchspheresource.com/glossary/searcher) whose company is too small for the sponsor desks that start at two or three million of EBITDA, and who wants a bank that names [search funds](https://searchspheresource.com/glossary/search-fund) on its own page

## Pros and Cons

- Pro: The lowest published EBITDA floor of any cash flow desk on this site, at $500,000
- Pro: Names search funds beside [private equity](https://searchspheresource.com/glossary/private-equity) firms and [independent sponsors](https://searchspheresource.com/glossary/independent-sponsor) as the sponsors it lends to
- Pro: An SBA [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) on the same page, so a deal that fits the 7(a) and one that does not are one conversation
- Pro: Publishes the transaction types it finances, from platform buys to successions and [ESOPs](https://searchspheresource.com/glossary/esop)
- Con: The page states no loan size for the cash flow desk and no geography for it, and the bank is a Minnesota institution
- Con: No searcher-specific timelines or rates are published; the SBA desk's terms are the only terms on the page

## What Searchers Say

The bank calls itself one of the top SBA lenders in Minnesota on the page itself. No searcher-forum discussion of its cash flow desk was found; the desk's own words are the signal.

## Sources

- https://highland.bank/for-your-business/loans-lines/acquisition-loans/
- https://highland.bank/about-us/

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/highland-bank
Last checked: 2026-09-18

Site index for machines: https://searchspheresource.com/llms.txt