Citizens State Bank of La Crosse
FeaturedCitizens State Bank of La Crosse is an active SBA lender in Wisconsin, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 811 Google reviews.
About Citizens State Bank of La Crosse
Citizens State Bank of La Crosse offers comprehensive SBA lending solutions tailored to meet the needs of small businesses seeking financial growth or stability. With a focus on supporting local entrepreneurs, the bank provides various loan programs, including SBA 7(a), to facilitate business expansion, equipment purchase, or working capital. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank's commitment to personalized service helps small business owners navigate complex financing options with confidence. Located in La Crosse, WI, they serve a broad community with a strong understanding of regional economic conditions. Whether you're a startup or an established business, Citizens State Bank of La Crosse aims to provide flexible financing options to help your business thrive. They support a variety of industries, with particular strength in sectors like manufacturing, healthcare, and retail. The bank emphasizes accessible lending processes and strives to foster economic development in the region. Their dedicated SBA lending team works closely with clients to tailor solutions that meet specific business needs, ensuring a smooth and straightforward experience from application to funding. If you're looking for a trusted local partner to help finance your small business ambitions, Citizens State Bank of La Crosse is well-equipped to assist you.
Serves SBA borrowers in 2 states
Citizens State Bank of La Crosse has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Citizens State Bank of La Crosse finances
Business types Citizens State Bank of La Crosse actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Citizens State Bank of La Crosse
What is this place and what can I find here?
This is a local bank offering SBA loan programs designed to help small businesses grow and succeed, including flexible financing options and personalized service.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a lending specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
Citizens State Bank of La Crosse is open Monday–Thursday 9:00 AM to 4:00 PM and Friday 9:00 AM to 5:00 PM. Please confirm current hours with the bank before visiting.
Is there a fee to use this?
There are no fees to visit or inquire; however, loan application and processing fees may apply depending on the loan type.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within the La Crosse region, but they may consider out-of-area applicants based on specific criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, but higher scores improve approval chances.
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 loan complexity and completeness of documentation.
Is this open on weekends?
The La Crosse location opens on Saturday mornings from 9:00 AM to 12:00 PM. Citizens State Bank of La Crosse's other locations are closed weekends. Confirm weekend availability for your specific location.
How do I get there and where do I park?
Citizens State Bank of La Crosse 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 Citizens State Bank of La Crosse, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Citizens State Bank of La Crosse itself, which runs its own lending under its own ownership. If you work at Citizens State Bank of La Crosse, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Citizens State Bank of La Crosse — 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 Citizens State Bank of La Crosse before applying. If you represent Citizens State Bank of La Crosse, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Citizens State Bank of La Crosse by phone at (608) 785-2265 or online at citizensstatebank.us — 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 Citizens State Bank of La Crosse before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Citizens State Bank of La Crosse most often finances businesses in restaurants & food service, food manufacturing & processing, general retail, medical practices & clinics, construction & contractors, and transportation & trucking. This reflects Citizens State Bank of La Crosse's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Citizens State Bank of La Crosse which sectors 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 Citizens State Bank of La Crosse participates in SBA Express depends on its specific SBA lending authority. Contact Citizens State Bank of La Crosse 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. Citizens State Bank of La Crosse 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. Citizens State Bank of La Crosse's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Citizens State Bank of La Crosse 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 Citizens State Bank of La Crosse 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 Citizens State Bank of La Crosse 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 Citizens State Bank of La Crosse 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. Citizens State Bank of La Crosse weighs this case by case under its own policy, so be upfront about your history and ask Citizens State Bank of La Crosse how it evaluates prior bankruptcies.
