Paper City Savings Bank S A
Paper City Savings Bank S A is an active SBA lender in Wisconsin, a bank offering SBA-guaranteed small-business loans. Currently rated 3.6 stars across 16 Google reviews.
$6M
in SBA approvals since 2021
7
SBA loans funded
General Retail · Fitness & Recreation · Bars & Nightlife
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Paper City Savings Bank S A
Offering comprehensive banking services tailored for small businesses and entrepreneurs, this financial institution specializes in SBA loan programs to support business growth and development. With a focus on the Wisconsin Rapids area, it provides personalized support for clients seeking funding solutions such as the SBA 7(a) loan program, which is ideal for working capital, equipment, and expansion needs. The bank's experienced team guides borrowers through the application process, ensuring they understand the requirements and benefits of SBA-backed financing. Its commitment to local businesses is reflected in its flexible lending options, competitive rates, and dedicated customer service. Whether you're a startup or an established enterprise, the bank aims to facilitate your business goals with tailored financial products and expert advice. The bank's primary NAICS code of 722410 indicates strength in the hospitality industry, particularly in food services and accommodations. With a maximum recorded approval amount of $114,000, it supports small to medium-sized business needs effectively. Its SBA program history highlights a focus on the 7(a) loan program, making it a reliable partner for business funding in the region.
Common questions about Paper City Savings Bank S A
What is this place and what can I find here?
This is a bank that offers SBA loan programs and financial services tailored for small businesses in Wisconsin Rapids. You can find assistance with funding, business growth, and financial planning, all supported by experienced staff dedicated to local entrepreneurs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.
What are the hours of operation?
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to confirm hours directly with the branch, as they may vary on holidays or special occasions.
Is there a fee to use this?
There are no fees to visit or consult with the bank, but specific loan products may have associated fees or interest charges. Always review the terms and conditions before proceeding with any financial agreement.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners in Wisconsin Rapids and the surrounding region. Non-residents may need to meet specific criteria or have existing ties to the community.
What minimum personal credit score does this bank look for in a guarantor?
The minimum credit score generally required is around 620, but higher scores improve the chances of approval and better loan terms.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of the application and the complexity of the loan request.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Paper City Savings Bank S A 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 Paper City Savings Bank S A to confirm current weekend availability before you go.
How do I get there and where do I park?
Paper City Savings Bank S A 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 Paper City Savings Bank S A, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Paper City Savings Bank S A itself, which runs its own lending under its own ownership. If you work at Paper City Savings Bank S A, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Paper City Savings Bank S A — 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 Paper City Savings Bank S A before applying. If you represent Paper City Savings Bank S A, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Paper City Savings Bank S A by phone at (715) 423-8100 or online at pcs.bank — 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 Paper City Savings Bank S A before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Paper City Savings Bank S A 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 Paper City Savings Bank S A 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 Paper City Savings Bank S A participates in SBA Express depends on its specific SBA lending authority. Contact Paper City Savings Bank S A 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. Paper City Savings Bank S A 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. Paper City Savings Bank S A's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Paper City Savings Bank S A 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 Paper City Savings Bank S A 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 Paper City Savings Bank S A 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 Paper City Savings Bank S A 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. Paper City Savings Bank S A weighs this case by case under its own policy, so be upfront about your history and ask Paper City Savings Bank S A how it evaluates prior bankruptcies.
