The Bank of Kaukauna
The Bank of Kaukauna is an active SBA lender in Wisconsin, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 5 Google reviews.
About The Bank of Kaukauna
The Bank of Kaukauna offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they provide various loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchase, or real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Located in Kaukauna, Wisconsin, they serve local businesses but also support regional economic development initiatives. The bank prides itself on strong community ties and a commitment to fostering local enterprise. Whether you're a startup or an established business, they aim to provide flexible financing solutions to meet your unique needs. Their SBA programs are designed to help businesses access capital with favorable terms and competitive rates. The bank also offers guidance on loan eligibility, application procedures, and repayment options, making the process straightforward for borrowers. Their dedicated SBA lending team is available to assist with both new and existing clients, ensuring a smooth experience from application to funding. They support various industries, with particular strength in retail, manufacturing, and services, reflecting their understanding of local economic drivers. Overall, the Bank of Kaukauna is a trusted partner for businesses looking to leverage SBA programs for growth and success.
Industries The Bank of Kaukauna finances
Business types The Bank of Kaukauna actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about The Bank of Kaukauna
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs and small business financing solutions. You can find assistance with loan applications, guidance on eligibility, and personalized support for your business needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
The Bank of Kaukauna's drive-thru is open Monday-Friday from 7:45 AM to 5:00 PM, while the lobby is open Monday-Friday from 10:00 AM to 3:00 PM (and by appointment). Please confirm these hours directly with the bank.
Is there a fee to use this?
There are no fees for consulting or initial inquiries; standard loan application and closing fees apply for approved loans.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and businesses in the Kaukauna area, but also supports regional clients seeking SBA financing.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for SBA loan applicants.
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 complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and The Bank of Kaukauna 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 The Bank of Kaukauna to confirm current weekend availability before you go.
How do I get there and where do I park?
The Bank of Kaukauna 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 The Bank of Kaukauna, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Bank of Kaukauna itself, which runs its own lending under its own ownership. If you work at The Bank of Kaukauna, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Bank of Kaukauna — 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 The Bank of Kaukauna before applying. If you represent The Bank of Kaukauna, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The Bank of Kaukauna by phone at (920) 766-4674 or online at bankofkaukauna.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 The Bank of Kaukauna before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, The Bank of Kaukauna most often finances businesses in dental practices, construction & contractors, and restaurants & food service. This reflects The Bank of Kaukauna'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 The Bank of Kaukauna 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 The Bank of Kaukauna participates in SBA Express depends on its specific SBA lending authority. Contact The Bank of Kaukauna 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. The Bank of Kaukauna 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. The Bank of Kaukauna's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Bank of Kaukauna 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 The Bank of Kaukauna 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 The Bank of Kaukauna 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 The Bank of Kaukauna 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. The Bank of Kaukauna weighs this case by case under its own policy, so be upfront about your history and ask The Bank of Kaukauna how it evaluates prior bankruptcies.
