Chippewa Valley Bank

This is a financial institution offering SBA loan programs designed to support small and medium-sized businesses. You can find information about different loan options, application processes, and personalized financial services tailored to your business needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to check directly with the branch for specific hours or any holiday closures.

There are no fees to visit or inquire; however, loan processing and application may involve certain fees such as guaranty fees, closing costs, and service charges, depending on the loan terms.

This bank primarily serves local residents and businesses in the region but welcomes inquiries from any small business owner seeking SBA financing solutions.

Typically, a minimum personal credit score of 640 is preferred, but the exact requirement may vary based on the loan specifics and overall financial profile.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of the documentation provided.

Most banks keep weekday business hours and are closed on weekends, and Chippewa Valley Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Chippewa Valley Bank to confirm current weekend availability before you go.

Chippewa Valley 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.

This page is an independent directory listing for Chippewa Valley Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Chippewa Valley Bank itself, which runs its own lending under its own ownership. If you work at Chippewa Valley Bank, you can claim this listing from this page to manage it.

The core details for Chippewa Valley 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 Chippewa Valley Bank before applying. If you represent Chippewa Valley Bank, claim this listing to keep its information up to date.

You can reach Chippewa Valley Bank by phone at (866) 282-3501 or online at chippewavalleybank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Chippewa Valley Bank before relying on them.

Like most SBA lenders, Chippewa Valley 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 Chippewa Valley Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Chippewa Valley Bank participates in SBA Express depends on its specific SBA lending authority. Contact Chippewa Valley Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. Chippewa Valley Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. Chippewa Valley Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Chippewa Valley Bank directly whether it considers start-up loans.

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 Chippewa Valley Bank what down payment it expects for your specific commercial real estate purchase.

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 Chippewa Valley Bank to spell out any prepayment penalties before you sign.

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 Chippewa Valley Bank to confirm it qualifies and how to document it.

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. Chippewa Valley Bank weighs this case by case under its own policy, so be upfront about your history and ask Chippewa Valley Bank how it evaluates prior bankruptcies.