Coulee Bank

This is a local bank that provides SBA loan options and financial services for small and medium-sized businesses. You can find assistance with funding growth, real estate, equipment, and working capital needs, all tailored to your business goals.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be accommodated depending on availability.

The bank is typically open from 8:30 AM to 4:30 PM, Monday through Friday, but it's best to call ahead for specific appointment times or after-hours services.

There are no fees to consult with the bank; however, loan processing and application fees may apply depending on the specific financing product.

This bank primarily serves local residents and businesses within the La Crosse area, but they may also work with out-of-area clients for specific SBA loan programs.

Typically, a minimum personal credit score of 620 is preferred, but other factors are also considered during the approval process.

The underwriting process generally 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 Coulee 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 Coulee Bank to confirm current weekend availability before you go.

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

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

You can reach Coulee Bank by phone at (866) 784-9550 or online at couleebank.net — 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 Coulee Bank before relying on them.

Based on its approved SBA loans, Coulee Bank most often finances businesses in restaurants & food service, manufacturing, construction & contractors, fitness & recreation, general retail, and food manufacturing & processing. This reflects Coulee 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 Coulee 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 Coulee Bank participates in SBA Express depends on its specific SBA lending authority. Contact Coulee Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Yes, Coulee Bank is approved to offer SBA loan products under the SBA's Preferred Lender programs. Please confirm the specific details and current status with Coulee Bank directly.

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