Bay Bank

This is a commercial bank that offers SBA loan programs designed to help small businesses access financing for growth and operations. You can find support for various funding needs, including loans up to several million dollars, with personalized guidance throughout the process.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may also be accommodated depending on availability. Contact the branch in advance for the best experience.

The branch typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to call ahead to confirm hours or schedule an appointment.

There are no fees for simply visiting or consulting; however, loan processing and application fees may apply depending on the specific loan program and terms.

This bank primarily serves local small business owners and residents within its regional area, but SBA loan programs are available to eligible businesses nationwide.

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

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

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

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

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

You can reach Bay Bank by phone at (920) 490-7600 or online at baybankgb.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 Bay Bank before relying on them.

Like most SBA lenders, Bay Bank 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 Bay Bank directly which industries 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 Bay Bank participates in SBA Express depends on its specific SBA lending authority. Contact Bay 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. Bay Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

Bay Bank specializes in financing for startups and lists startups as one of the specific business purposes they support through their commercial loans. Confirm startup eligibility and requirements directly with Bay Bank at (920) 490-7600.

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