Bank of Prairie du Sac
Bank of Prairie du Sac is an active SBA lender in Wisconsin, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 17 Google reviews.
$6M
in SBA approvals since 2010
16
SBA loans funded
Cleaning, Landscaping & Janitorial · Manufacturing · Veterinary Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Bank of Prairie du Sac
Bank of Prairie du Sac offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a community-focused financial institution, it provides personalized loan options, including SBA 7(a) loans, to help entrepreneurs access capital efficiently. The bank specializes in supporting local businesses within the region, offering flexible terms and competitive rates to meet diverse industry requirements. With a strong understanding of the local market, it assists clients from startups to established enterprises, ensuring they receive the funding necessary to thrive. The bank's experienced lending team guides borrowers through the application process, providing expert advice and support at every stage. Whether you're looking for working capital, equipment financing, or real estate loans, Bank of Prairie du Sac is committed to helping small businesses succeed by leveraging SBA programs and its community banking expertise.
Common questions about Bank of Prairie du Sac
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs and small business financing options. You can find personalized lending services designed to support local entrepreneurs and small business owners in accessing capital for growth and operational 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 officer, but walk-in consultations may be available during business hours. Contact the bank ahead of your visit for the best experience.
What are the hours of operation?
Bank of Prairie du Sac operates Monday through Friday from 8:30 AM to 4:30 PM at both the Prairie du Sac and Sauk City branches. Drive-up service extends to 5:30 PM on weekdays. Please confirm current hours directly with the bank.
Is there a fee to use this?
There are no fees for simply visiting or consulting with the bank. Loan fees, if applicable, will be disclosed during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local small business owners and residents within the Prairie du Sac region. Eligibility for loans depends on meeting credit and business criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required to qualify for SBA loans through this lender.
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 completeness of your application and supporting documents.
Is this open on weekends?
Yes, Bank of Prairie du Sac is open on Saturdays from 9:00 AM to noon at both branches for drive-up service. Please confirm weekend hours with the bank before visiting.
How do I get there and where do I park?
Bank of Prairie du Sac 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 Bank of Prairie du Sac, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of Prairie du Sac itself, which runs its own lending under its own ownership. If you work at Bank of Prairie du Sac, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bank of Prairie du Sac — 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 of Prairie du Sac before applying. If you represent Bank of Prairie du Sac, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Bank of Prairie du Sac at (608) 643-3393 or submit a form at bankpds.com/contact-us.html. For SBA lending, ask for their business lending department. Please confirm directly with the bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Bank of Prairie du Sac 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 Bank of Prairie du Sac 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 Bank of Prairie du Sac participates in SBA Express depends on its specific SBA lending authority. Contact Bank of Prairie du Sac 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. Bank of Prairie du Sac 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. Bank of Prairie du Sac's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bank of Prairie du Sac 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 Bank of Prairie du Sac 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 Bank of Prairie du Sac 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 Bank of Prairie du Sac 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. Bank of Prairie du Sac weighs this case by case under its own policy, so be upfront about your history and ask Bank of Prairie du Sac how it evaluates prior bankruptcies.
