Kohler CU

This is a community-focused bank offering SBA loan programs, small business banking services, and personalized financial support for local entrepreneurs and businesses.

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

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment on request.

Fees may apply for certain banking services and loan processing; contact the bank for specific fee details.

The bank primarily serves local residents and small business owners in the Sheboygan area, but they welcome new clients who meet their lending criteria.

A minimum personal credit score of around 640 is typically required, though this can vary based on the specific loan and borrower profile.

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

Most credit unions keep weekday business hours and are closed on weekends, and Kohler CU 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 Kohler CU to confirm current weekend availability before you go.

Kohler CU is located in Wisconsin — see the contact card for the full address. Most credit union 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 Kohler CU, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Kohler CU itself, which runs its own lending under its own ownership. If you work at Kohler CU, you can claim this listing from this page to manage it.

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

You can reach Kohler CU by phone at (888) 528-2595 or online at kohlercu.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 Kohler CU before relying on them.

Like most SBA lenders, Kohler CU 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 credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask Kohler CU 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 Kohler CU participates in SBA Express depends on its specific SBA lending authority. Contact Kohler CU 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 credit unions hold PLP status, but it varies by institution. Kohler CU 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. Kohler CU's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Kohler CU 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 Kohler CU 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 Kohler CU 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 Kohler CU 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. Kohler CU weighs this case by case under its own policy, so be upfront about your history and ask Kohler CU how it evaluates prior bankruptcies.