Bank Five Nine

This is a trusted SBA lender offering small business loans, including the SBA 7(a) program, with personalized service and local expertise to help your business grow.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated based on availability.

Bank Five Nine's Oconomowoc branch lobby is open Monday-Friday 9 AM-5 PM and Saturday 9 AM-12 PM, with drive-thru hours Monday-Friday 8:30 AM-5:30 PM and Saturday 9 AM-12 PM. Please confirm directly with the branch.

There are no fees to visit or consult with the bank; however, loan applications and processing may include applicable fees and charges.

This service is primarily open to small business owners within the community and region, though eligibility depends on meeting specific loan criteria.

A minimum personal credit score of around 640 is typically preferred, but this can vary based on the loan and applicant circumstances.

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

Bank Five Nine is open Saturday mornings 9 AM-12 PM at its Oconomowoc location for both lobby and drive-thru services, but closed on Sundays. Confirm current weekend hours with the branch.

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

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

You can reach Bank Five Nine by phone at (262) 569-9900 or online at bankfivenine.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 Bank Five Nine before relying on them.

Based on its approved SBA loans, Bank Five Nine most often finances businesses in real estate & property management, restaurants & food service, medical practices & clinics, manufacturing, fitness & recreation, and childcare & early education. This reflects Bank Five Nine'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 Bank Five Nine 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 Bank Five Nine participates in SBA Express depends on its specific SBA lending authority. Contact Bank Five Nine and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Bank Five Nine holds SBA Preferred Lender Program status, which enables the bank to approve SBA loans in-house for faster decisions. Please confirm current PLP status with the lender.

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. Bank Five Nine's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank Five Nine 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 Bank Five Nine 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 Bank Five Nine 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 Bank Five Nine 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. Bank Five Nine weighs this case by case under its own policy, so be upfront about your history and ask Bank Five Nine how it evaluates prior bankruptcies.