Pillar Bank

This is a local SBA lender offering small business loans, primarily through the SBA 7(a) program, to support business growth and development in Baldwin and nearby areas.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 8:30 AM to 4:30 PM, with appointments available outside regular hours upon request.

There are no fees to inquire about SBA loans; however, standard loan fees such as guarantee fees and closing costs may apply.

This service is open to small business owners in Baldwin and the surrounding regions seeking SBA financing options.

A minimum personal credit score of 620 is generally required to qualify for SBA loans through this lender.

The underwriting process typically takes approximately 30 to 45 days, depending on the completeness of your application and documentation.

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

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

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

You can reach Pillar Bank by phone at (715) 684-3366 or online at pillar.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 Pillar Bank before relying on them.

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