National Bank of Commerce

This is a financial institution offering SBA loans and small business financing solutions designed to help entrepreneurs grow and succeed. You can find assistance with SBA 7(a) loans, personalized support, and guidance through the application process.

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

The Superior location lobby is open Monday through Friday 8:30 AM to 5:00 PM (drive-thru 8:00 AM to 5:30 PM). Confirm with National Bank of Commerce for current hours.

There are no fees to inquire about or apply for SBA loans, but certain service charges and closing costs may apply depending on the loan terms.

This lender primarily serves small businesses in the Superior, WI region and surrounding areas, focusing on local entrepreneurs and regional economic development.

A minimum personal credit score of around 640 is generally preferred, though approval depends on overall financial health and business performance.

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

Most National Bank of Commerce locations are closed on weekends, but the Superior Midtown drive-thru opens Saturday 9:00 AM to 12:00 PM. Confirm availability with your local branch.

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

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

You can reach National Bank of Commerce by phone at (715) 394-5531 or online at nbcbanking.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 National Bank of Commerce before relying on them.

Based on its approved SBA loans, National Bank of Commerce most often finances businesses in restaurants & food service, manufacturing, hotels & lodging, general retail, food manufacturing & processing, and medical practices & clinics. This reflects National Bank of Commerce'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 National Bank of Commerce 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 National Bank of Commerce participates in SBA Express depends on its specific SBA lending authority. Contact National Bank of Commerce 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. National Bank of Commerce 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. National Bank of Commerce's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask National Bank of Commerce 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 National Bank of Commerce 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 National Bank of Commerce 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 National Bank of Commerce 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. National Bank of Commerce weighs this case by case under its own policy, so be upfront about your history and ask National Bank of Commerce how it evaluates prior bankruptcies.