Community First Bank

This is a local community bank that offers SBA loan programs and small business financing solutions. You can find personalized support to help your business grow, including SBA 7(a) loans and microloans tailored to your needs.

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

The bank operates Monday through Friday from 8:30 AM to 4:30 PM. Appointments outside these hours can be arranged upon request.

There are no fees for simply visiting or consulting; fees may apply for loan processing and application, which are discussed during the loan application process.

This bank primarily serves local residents and small business owners in the Wisconsin region, but they also welcome new clients seeking SBA financing solutions.

A minimum personal credit score of 640 is typically preferred, but the final decision depends on the overall credit profile and business strength.

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

Most banks keep weekday business hours and are closed on weekends, and Community First 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 Community First Bank to confirm current weekend availability before you go.

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

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

You can reach Community First Bank by phone at (608) 375-4117 or online at cfbank.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 Community First Bank before relying on them.

Based on its approved SBA loans, Community First Bank most often finances businesses in food manufacturing & processing and automotive repair & services. This reflects Community First Bank'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 Community First Bank which sectors 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 Community First Bank participates in SBA Express depends on its specific SBA lending authority. Contact Community First 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. Community First 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. Community First Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Community First 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 Community First 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 Community First 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 Community First 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. Community First Bank weighs this case by case under its own policy, so be upfront about your history and ask Community First Bank how it evaluates prior bankruptcies.