Bank of Wisconsin Dells

This is a local SBA lender offering small business loans, including the SBA 7(a) program, to support business growth and development in the Wisconsin Dells area. You can find personalized financing solutions tailored to your business needs with expert guidance throughout the application process.

It's recommended to schedule an appointment to ensure dedicated time with a lender, but walk-ins may be accommodated depending on availability. Calling ahead is advised to confirm your visit and prepare necessary documentation.

Bank of Wisconsin Dells main branch operates Monday–Thursday 8:30 am–4:00 pm and Friday 8:30 am–5:00 pm (lobby); drive-up hours extend to 5:00 pm weekdays and 5:30 pm Friday. Other branches have similar schedules—contact your nearest location to confirm.

There are no fees for simply consulting with the bank; however, loan application fees and other charges may apply depending on the services used. It's advisable to review the fee structure with a loan officer during your consultation.

This lender primarily serves small business owners within the Wisconsin Dells region and surrounding areas. Eligibility is based on business criteria and creditworthiness rather than residency alone.

While specific requirements can vary, a minimum personal credit score of around 640 is generally preferred for SBA loans. Lenders assess overall financial health and business viability alongside credit scores.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the complexity of your loan request. Working closely with your lender can help expedite the process.

Bank of Wisconsin Dells is open Saturday mornings (8:30 am–12:00 pm lobby, drive-up 8:00 am–12:00 pm at the main branch) but closed Sundays. Check your local branch, as weekend hours vary.

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

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

You can reach Bank of Wisconsin Dells by phone at (608) 253-1111, by email at info@dellsbank.bank, or through their online contact form. For SBA loans, ask for their business lending or SBA department.

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