Baraboo State Bank

This is a local bank offering SBA loan programs and financial services to support small business growth in Wisconsin. You can find assistance with loan applications, financial advice, and personalized support tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM, with extended hours by appointment.

There are no fees for simply visiting or consulting; fees apply only to specific banking services and loan processing.

This bank primarily serves local residents and businesses within Wisconsin, but some services may be available to out-of-state clients with qualifying criteria.

A minimum personal credit score of 640 is generally preferred, though higher scores improve approval chances.

The process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Baraboo State Bank 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 Baraboo State Bank to confirm current weekend availability before you go.

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

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

You can reach Baraboo State Bank by phone at (608) 356-7703, or fill out their contact form at baraboobank.com/about/contact-us for SBA lending inquiries.

Based on its approved SBA loans, Baraboo State Bank most often finances businesses in restaurants & food service. This reflects Baraboo State Bank'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 Baraboo State Bank 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 Baraboo State Bank participates in SBA Express depends on its specific SBA lending authority. Contact Baraboo State Bank 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. Baraboo State Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

Baraboo State Bank supports startup company financing as part of their business lending offerings, including startup and purchase loans. Confirm current eligibility and terms with the bank.

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 Baraboo State Bank 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 Baraboo State Bank 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 Baraboo State Bank 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. Baraboo State Bank weighs this case by case under its own policy, so be upfront about your history and ask Baraboo State Bank how it evaluates prior bankruptcies.