Commercial Lending


An unconventional approach to conventional loans.

As the premier lender in the Twin Cities, Bridgewater is preferred by savvy entrepreneurs who value creativity, flexibility and moving quickly. Why not work with a local partner to get your project off the ground? 

Commercial Real Estate

We understand that flexibility and creativity can make all the difference. 

Acquisition Financing

Need capital for acquisition purposes? A partnership with Bridgewater makes it possible.
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Affordable Housing

Need comprehensive yet simple solutions to get your affordable housing project off the ground?
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Commercial Real Estate

Looking to acquire a new commercial property or refinance an existing one?
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Construction Loans

Building a home or renovating an existing property? A construction loan is for you.
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Long-Term Multifamily Financing

Planning to refinance your multifamily project or acquire an investment property?
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Letter of Credit

Bridgewater provides a promise to pay.
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Commercial & Industrial

We recognize the importance of finding flexible solutions for your business. 

Letter of Credit

Bridgewater provides a promise to pay.
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SBA Lending

Let Bridgewater be your partner of choice with loans guaranteed by the Small Business Administration.
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Working Capital Loans

In need of cash to keep your business growing until revenue increases?
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The best in the business.

Meet the best in Twin Cities' real estate lending.

Andrew Bates

Andrew Bates

Vice President Commercial Lending

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John Callahan

John Callahan

Assistant Vice President Commercial Lending

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Pat Clemens

Pat Clemens

Assistant Vice President Construction Lending

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Patrick Craig

Patrick Craig

Vice President Commercial Lending

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Pat Cullen

Pat Cullen

Senior Vice President Commercial Lending

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Adam Erickson

Adam Erickson

Senior Vice President Commercial Lending

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Tony Ferraro

Tony Ferraro

Senior Vice President Commercial Lending

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Tom Johnson

Tom Johnson

Senior Vice President Construction Lending

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Tyler Manning

Tyler Manning

Vice President Commercial Lending

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Matt Means

Matt Means

Assistant Vice President Commercial Lending

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Nick Place

Nick Place

Chief Lending Officer

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Dan Poppe

Dan Poppe

Senior Vice President Senior Loan Officer

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Lynn Roth

Lynn Roth

Vice President Commercial Lending

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Erik Schwegler

Erik Schwegler

Senior Vice President Commercial Real Estate

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Jeff Shellberg

Jeff Shellberg

Executive Vice President and Chief Credit Officer, Director

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Kevin Westerhaus

Kevin Westerhaus

Assistant Vice President Consumer Lending

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Ross Wieser

Ross Wieser

Vice President Commercial Lending

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Andrew Bates

Vice President Commercial Lending


What makes Bridgewater unconventional: "A bank for entrepreneurs founded by entrepreneurs. We don't just understand our clients' needs, we anticipate them."

Specialty: Multifamily Lending

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John Callahan

Assistant Vice President Commercial Lending

What makes Bridgewater unconventional: "We are constantly moving forward for our clients. We're never satisfied with where we're at and I wouldn't want it any other way."

Specialty: Multifamily Lending

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Pat Clemens

Assistant Vice President Construction Lending


What makes Bridgewater unconventional: "While many things comprise BWB’s unconventional nature, my own contribution lies in my uncommon path to becoming a lender after previously being among the earliest clients of the bank as a real estate investor, builder, realtor, and property manager."

Specialty: Construction Lending

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Patrick Craig

Vice President Commercial Lending


What makes Bridgewater unconventional: "Bridgewater's creativity and willingness to think “outside the box” is what separates us from traditional Big Banks."

Specialty: Multifamily Lending

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Pat Cullen

Senior Vice President Commercial Lending


What makes Bridgewater unconventional: "We understand our clients' needs and move quickly. The lending process at Bridgewater is streamlined and uncomplicated."

Specialty: Commercial Real Estate

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Adam Erickson

Senior Vice President Commercial Lending


What makes Bridgewater unconventional: "Open-minded leadership fueled by a can-do spirited team. Our clients notice the difference."

Specialty: C&I Lending

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Tony Ferraro

Senior Vice President Commercial Lending


What makes Bridgewater unconventional: "Bridgewater does things differently. When everyone else is going one way, we go the other and see things from a new perspective."

Specialty: C&I Lending

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Tom Johnson

Senior Vice President Construction Lending


What makes Bridgewater unconventional: "Banking and lending can be cumbersome. At Bridgewater, we're dedicated to simplifying the client experience."

Specialty: Construction Lending

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Tyler Manning

Vice President Commercial Lending


What makes Bridgewater unconventional: "We are able to understand deals quickly and offer seamless execution from initial meeting to loan closing by taking a common-sense approach to lending."

Specialty: Multifamily Lending

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Matt Means

Assistant Vice President Commercial Lending


What makes Bridgewater unconventional: "Our number one piece of swag is a magnetic steel bottle opener. If that doesn't say it all I don't know what does. They go like hot cakes!"

Specialty: Construction Lending

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Nick Place

Nick Place

Chief Lending Officer

As Chief Lending Officer, Nick oversees a talented team of lenders as well as an active portfolio of loans. In addition to his managerial responsibilities, he actively engages in loan origination, primarily focusing on real estate lending in the Minneapolis/St. Paul metro area. Nick has been instrumental in strategically developing specialty loan products in response to market demands.

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Dan Poppe

Senior Vice President Senior Loan Officer


What makes Bridgewater unconventional: "It's the people that make up the Bridgewater experience. We take the time to get to know our clients and never have a one size fits all approach to anything."

Specialty: Commercial Real Estate Lending

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Lynn Roth

Vice President Commercial Lending


What makes Bridgewater unconventional: "Flexibility. Local decision making. Responsive. It’s as simple as that."

Specialty: C&I Lending

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Erik Schwegler

Senior Vice President Commercial Real Estate


What makes Bridgewater unconventional: "Bridgewater has a refreshing approach to banking, where we move quickly and have fun along the way."

Specialty: Multifamily Lending

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Jeff Shellberg

Jeff Shellberg

Executive Vice President and Chief Credit Officer, Director

Jeff is a founder of the Company and founding director of the board. He has worked in the regulatory and commercial banking industry for over 30 years. As Executive Vice President and Chief Credit Officer, Jeff is responsible for all aspects of the Bank’s credit policies and risk management systems. He currently chairs the loan and appraisal committees and plays an integral role in credit actions on the Bank’s largest lending relationships.

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Kevin Westerhaus

Assistant Vice President Consumer Lending

NMLS #446618

What makes Bridgewater unconventional: "A banking partnership that ensures the highest level of dedication and communication to be with you every step of the way."

Specialty: Consumer Lending

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Ross Wieser

Vice President Commercial Lending


What makes Bridgewater unconventional: "Not only are new ideas and approaches to banking accepted, they're encouraged."

Specialty: Multifamily Lending

Ready for something unconventional?