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WNB Financial, National Association

WNB Financial offers comprehensive SBA lending services, specializing in small business financing solutions that help entrepreneurs grow and succeed. With a focus on supporting local businesses, this institution provides a range of loan options including the popular SBA 7(a) program, which is ideal for working capital, equipment purchases, and business expansion. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Winona, MN, they serve a broad spectrum of industries, emphasizing personalized service and flexible lending criteria to meet the unique needs of each business. Whether you’re a startup or an established enterprise, WNB Financial is committed to fostering economic development through tailored financial products and attentive customer service. Their loan approval amounts can reach up to $606,600, making them a reliable partner for various business sizes and needs. The bank’s expertise in SBA programs positions them as a strong choice for small business owners seeking accessible and competitive financing options.

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Lender Type

Commercial Bank

Google Rating

3.7

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and small business financing solutions designed to support business growth and development. You can find assistance with SBA 7(a) loans, personalized banking services, and expert guidance for your business needs. They focus on helping small businesses access the capital they need to succeed.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability. Contact the branch ahead of your visit for the best experience.

Question 3

What are the hours of operation?

Answer 3

The branch typically operates from 9:00 AM to 5:00 PM, Monday through Friday. However, hours may vary, so it"s advisable to check with the branch directly for current timings.

Question 4

Is there a fee to use this?

Answer 4

There are no fees for simply visiting or consulting with the bank. Loan application and processing fees may apply depending on the specific financing product.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank primarily serves small business owners and entrepreneurs, with services available to both local residents and businesses nationwide. Eligibility depends on meeting loan criteria and business qualifications.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

Typically, a personal credit score of 640 or higher is preferred, though specific requirements may vary based on the loan type and borrower profile.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

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

WNB Financial, National Association

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