One Community Bank

This is a community-focused bank offering SBA loan programs and financial services tailored for small businesses. You can find assistance with funding options, application guidance, and personalized support to help your business grow.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.

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

There are no fees for initial consultations; however, application and processing fees may apply depending on the loan type.

This bank primarily serves local residents and small business owners in the Oregon, WI area, but they may consider out-of-area applicants on a case-by-case basis.

A minimum personal credit score of 640 is generally preferred, though stronger credit profiles improve approval chances.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.

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

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

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

You can reach One Community Bank by phone at (608) 835-3168 or online at onecommunity.bank — 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 One Community Bank before relying on them.

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