Go Back

State Bank Financial

Offering comprehensive SBA lending options, this financial institution specializes in supporting small businesses with various loan programs. Whether you’re seeking funding for expansion, equipment, or working capital, they provide tailored solutions to meet your needs. Their experienced team is dedicated to guiding clients through the application process, ensuring clarity and efficiency. With a focus on personalized service, they help entrepreneurs navigate the complexities of SBA loans, including the popular 7(a) program. Located in La Crosse, WI, they serve local businesses while also supporting clients across the region. Their commitment to small business growth is evident through competitive rates and flexible terms designed to foster success. The bank’s expertise in SBA lending makes them a reliable partner for startups and established companies alike, aiming to fuel economic development and job creation in the community.

Review

There are no reviews yet.

Lender Type

Commercial Bank

Google Rating

4.8

Google Review Count

138

Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs to support small business growth, including funding options for expansion, equipment, and working capital.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on availability.

Question 3

What are the hours of operation?

Answer 3

The bank operates during standard business hours from 8:30 AM to 5:00 PM, Monday through Friday.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting; fees may apply for loan processing and related services as per standard banking practices.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This service is primarily available to small business owners and entrepreneurs within the region, subject to qualification criteria.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of around 640 is generally required, though higher scores improve approval chances.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.

State Bank Financial

Description

Location

Review

Q&A