Bristol Morgan Bank
Bristol Morgan Bank is an active SBA lender in Wisconsin, a bank offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 6 Google reviews.
$3M
in SBA approvals since 2010
14
SBA loans funded
Auto Dealers & Sales · Wholesale & Distribution · Fitness & Recreation
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Bristol Morgan Bank
Bristol Morgan Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on small business needs, the bank provides various loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchase, or expansion projects. Their team is dedicated to guiding clients through the application process, ensuring clarity and support at every step. Located in Oakfield, WI, they serve local entrepreneurs and small business owners with personalized financial solutions. The bank emphasizes quick approval times and competitive rates to help businesses succeed. Whether you're starting a new venture or expanding an existing one, Bristol Morgan Bank is committed to helping you access the funding you need to thrive in your industry. Their experienced staff understands the nuances of SBA programs and offers tailored advice to meet your specific business goals. With a strong community presence, they prioritize building lasting relationships with clients and supporting local economic growth. From initial consultation to loan closing, Bristol Morgan Bank provides a seamless experience designed to empower small businesses and foster entrepreneurship in the region.
Common questions about Bristol Morgan Bank
What is this place and what can I find here?
This is Bristol Morgan Bank, a local financial institution offering SBA loan programs and small business banking services to help entrepreneurs grow and succeed.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
Most Bristol Morgan Bank locations (Oakfield, Fond du Lac, Oshkosh) have lobby hours of 8:30 AM to 4:00 PM Monday through Friday, with drive-thru service until 5:00 PM. Van Dyne has slightly different hours (9:00 AM to 4:00 PM lobby). Confirm your specific location's hours before visiting.
Is there a fee to use this?
There are no fees for visiting the bank, but loan application fees and closing costs may apply depending on the service.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small business owners within the region, but some services may be available to non-residents upon qualification.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally preferred for loan consideration.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and documentation provided.
Is this open on weekends?
Bristol Morgan Bank does not operate on weekends; all four branch locations maintain Monday through Friday hours only.
How do I get there and where do I park?
Bristol Morgan Bank is located in Wisconsin — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Bristol Morgan Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bristol Morgan Bank itself, which runs its own lending under its own ownership. If you work at Bristol Morgan Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bristol Morgan Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bristol Morgan Bank before applying. If you represent Bristol Morgan Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
Bristol Morgan Bank can be reached by phone at (920) 583-3191 (Oakfield main office) or toll-free at 1-888-852-3191. You can also submit lending inquiries via their contact form at bristolmorganbank.com/contact. Confirm with the bank for SBA loan questions.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Bristol Morgan Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Bristol Morgan Bank directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bristol Morgan Bank participates in SBA Express depends on its specific SBA lending authority. Contact Bristol Morgan Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bristol Morgan Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Bristol Morgan Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bristol Morgan Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bristol Morgan Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bristol Morgan Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bristol Morgan Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bristol Morgan Bank weighs this case by case under its own policy, so be upfront about your history and ask Bristol Morgan Bank how it evaluates prior bankruptcies.
