Small Business Loans in Wisconsin
Ready to find success and secure a small business loan? You're in the right place! Our in-house research team of finance experts has compiled this most comprehensive list of business loans for you to find the best option for you. Bad credit and startups acceptable when meeting specific qualifications.
10 Small Business Loans in Wisconsin
Our article is the outcome of dedicated research into small business lending in California, anchored in reliable data. The lenders are ranked according to the number of small business loans they've granted this year.
Essentially, this highlights the financial institutions and lenders that are actively providing the majority of loans to small businesses within the state.
(This differs from many other sites, which often limit their focus to nonprofits with infrequent lending or government initiatives that are not accessible to a broad range of businesses.)
Takeaway: Two big banks issue the most small business loans in Wisconsin, but the rest of the banks on this list are local, Midwestern banks.
Methodology: Our study draws on data from SBA 7a loans, ensuring that every lender listed here provides these types of loans. Additionally, we've detailed various other small business loan options these lenders display on their websites.
Regrettably, conventional banks often have demanding criteria, including high credit scores and a minimum of two years in business operation.
Therefore, we've initiated our list with a couple of alternative financing choices specifically for small business owners who might be facing credit challenges or are relatively new to the business world.
1. Credit Suite
Credit Suite specializes in business credit consulting and software services, while also providing two innovative non-traditional financing options.
Their Cash Flow Financing is ideal for business owners with bad credit. It allows you to utilize your business's cash flow for securing flexible funding. Instead of fixed monthly payments, repayment is based on a proportion of your ongoing cash flow.
Additionally, the Credit Line Hybrid is focused on providing finance based solely on personal creditworthiness, without the need for extensive financial documents, bank statements, or business plans.
It's a fantastic option from businesses ranging from startups to established, with funding options ranging from $5,000 to $150,000.
Business financing options offered:
- Credit Suite Cash Flow Financing
- Credit Suite Credit Line Hybrid
2. US Bank
US Bank, a large national banking institution, offers an array of business loan options. With its numerous branches, it's a common sight in many towns and cities. Notably, in Wisconsin, they are the leading issuer of SBA loans, surpassing all other lenders in the state.
Business financing options offered:
US Bank Quick Loan
Business Term Loan
Commercial Real Estate Loan
Equipment Financing
SBA Loans
Dental, Medical, and Vet Practice Loans
Business Line of Credit
Manage Cash Flow
Business Equity Line of Credit
Business Reserve Line
4 Business Credit Cards
3. The Huntington National Bank
Huntington National Bank stands out not only as a premier small business lender in this state, but also for being the top issuer of SBA 7a loans nationwide.
This achievement places them among the top 10 lenders in almost every other state, showcasing their commitment to supporting small businesses.
Beyond SBA loans, Huntington also provides a diverse range of financial solutions for small businesses, which includes options like equipment leasing, agricultural financing, and various real estate loan types.
Business financing options offered:
SBA 7a Loans
Equipment Leasing
Church Lending
Greek House Financing
Agricultural Loans
Warehouse Lending
Real Estate Loans, Term Loans, and Lines of Credit
4. Hiawatha National Bank
Hiawatha, a smaller bank headquartered in Wisconsin, offers a variety of loan options specifically tailored for agricultural needs.
Business financing options offered:
Business Line of Credit
Commercial Real Estate
Equipment Loans
SBA Guaranteed Loans
Agriculture Loans: FSA Guaranteed Loans, Crop Loans, Farm Land, Machinery Loans
5. Bank First
Bank First is a small Wisconsin-based bank with diverse business financing offerings and credit cards. They have especially good loan options for farmers.
Business financing options offered:
Working Capital Lines of Credit
Equipment Loans
Business Expansion Loans
Real Estate Loans
Construction and Development Loans
Agriculture Loans
SBA 7(a) Loans
SBA 504 Loans
WHEDA Loans
Farm Service Agency
2 Business Credit Cards
6. Wisconsin Women's Business Initiative Corporation
The Wisconsin Women's Business Initiative Corporation isn’t a traditional bank, like most of the lenders in this article. As you can guess by their name, they focus on lending to female entrepreneurs and “underserved individuals”.
They don’t list their business loan offerings on their website. Their website states that they make loans “available to small, micro startup and established businesses up to $350,000.”
Business financing options offered:
- SBA 7a Loans
7. Summit Credit Union
Summit is the only credit union on this list. It’s a small organization based in Madison, Wisconsin, with a normal lineup of small business loans.
Business financing options offered:
Real Estate & Commercial Construction Loans
Investment Property Loans
Term Loans
Business Line of Credit
Small Business Administration Loans
Business Rewards Credit Card
8. Old National Bank
Old National is a small bank based in Indiana doing a large volume of SBA loans.
Business financing options offered:
SBA Loans
Term Loan
Traditional Line of Credit
SBA Loans
Community Development Lending
2 Business Credit Cards
9. Nicolet National Bank
Nicolet is a small bank in Wisconsin that focuses heavily on agricultural lending. They list out many agricultural lending options on their website that you don’t see from most other banks.
Business financing options offered:
SBA Loans
Agricultural Loans:
Operating Lines of Credit
Capital Lines of Credit
Crop Input Loans
Intermediate/Equipment Loans
Real Estate Loans
Construction Loans
10. Community State Bank
Community State is another small Wisconsin bank with strong local roots. They don’t have a lot of information about each type of business loan they offer on their website, but it’s clear that they offer a variety of financing types within each category listed below.
Business financing options offered:
Business & Rental Mortgages
Equipment and Commercial Vehicle Loans
Agricultural Loans
Lines & Letters Of Credit
How to apply for a small business loan in Wisconsin
Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!
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