IncredibleBank
IncredibleBank is an active SBA lender in Wisconsin, a bank offering SBA-guaranteed small-business loans. Currently rated 4.6 stars across 510 Google reviews.
$807M
in SBA approvals since 2010
829
SBA loans funded
Hotels & Lodging · Manufacturing · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About IncredibleBank
IncredibleBank offers comprehensive SBA lending services tailored to meet the needs of small businesses seeking financial support. With a focus on providing flexible loan options, this institution specializes in helping entrepreneurs secure funding for growth, equipment, or operational expenses. Their SBA programs are designed to streamline the borrowing process, making it easier for small business owners to access capital with favorable terms and competitive rates. Whether you're looking for a loan to expand your business or to manage cash flow, IncredibleBank provides expert guidance and personalized service to ensure your funding goals are achieved efficiently. Their experienced team understands the nuances of SBA lending and works closely with clients to deliver solutions that align with their business plans and financial situations. Located in Wausau, Wisconsin, the bank is committed to supporting local businesses and fostering economic development in the region. They also offer resources and advice to help entrepreneurs navigate the complexities of SBA loans, ensuring a smooth application process from start to finish.
Serves SBA borrowers in 24 states
IncredibleBank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries IncredibleBank finances
Business types IncredibleBank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about IncredibleBank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions. You can find information about loan options, application processes, and support services tailored for entrepreneurs and small business owners.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated assistance, but walk-in inquiries are also welcome during business hours. Contact the bank ahead of time for the most convenient experience.
What are the hours of operation?
The Wausau location's lobby is open 8:30 AM to 5:00 PM, Monday through Friday. Please confirm with IncredibleBank for any holiday variations.
Is there a fee to use this?
There are no fees for initial consultations or inquiries. Loan fees and interest rates apply based on the specific loan terms and conditions.
Who is this open to — anyone, or only residents/members?
This service is open to small business owners within the region who meet the eligibility criteria for SBA loans. Residency is not a strict requirement, but business location and operational history are important factors.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, though higher scores improve approval chances. Creditworthiness is assessed on a case-by-case basis.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the complexity of your financial situation.
Is this open on weekends?
The branch is closed Sundays, but drive-up service operates Saturday 9:00 AM to 12:00 PM, plus a 24/7 Enhanced ATM. Confirm with IncredibleBank for SBA lending staff availability.
How do I get there and where do I park?
IncredibleBank 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 IncredibleBank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by IncredibleBank itself, which runs its own lending under its own ownership. If you work at IncredibleBank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for IncredibleBank — 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 IncredibleBank before applying. If you represent IncredibleBank, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact IncredibleBank at (715) 845-5522, or email info@incrediblebank.com or bperez@incrediblebank.com. Ask for the business lending or SBA department.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, IncredibleBank most often finances businesses in restaurants & food service, manufacturing, general retail, hotels & lodging, construction & contractors, and transportation & trucking. This reflects IncredibleBank'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 IncredibleBank which sectors 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 IncredibleBank participates in SBA Express depends on its specific SBA lending authority. Contact IncredibleBank 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. IncredibleBank 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. IncredibleBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask IncredibleBank 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 IncredibleBank 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 IncredibleBank 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 IncredibleBank 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. IncredibleBank weighs this case by case under its own policy, so be upfront about your history and ask IncredibleBank how it evaluates prior bankruptcies.
