Security Financial Bank

This is a commercial bank that specializes in SBA loan programs, providing small businesses with access to financing for growth, expansion, and working capital needs. You can find personalized lending solutions and expert guidance on SBA loan applications here.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit.

Security Financial Bank's lobby hours vary by location, with most branches open Monday-Friday 9 AM to 4 PM. Drive-up hours typically extend to 5 PM. Contact your specific branch location to confirm their exact hours.

There are no fees for simply visiting or consulting; however, loan application and processing fees may apply depending on the specific financing product.

This bank primarily serves small business owners in Wisconsin, but their SBA loan programs can support businesses across the region, provided they meet qualification criteria.

A minimum personal credit score of around 650 is generally preferred, though other factors also influence approval decisions.

Typically, the underwriting process takes approximately 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Several Security Financial Bank locations are open on Saturdays with varying hours. Saturday hours typically range from 8 AM to 12 PM or 7:30 AM to 1 PM. Contact your local branch to confirm Saturday service availability.

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

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

You can reach Security Financial Bank by phone at (715) 672-4237, by email at customerservice@sfbank.com, or online at sfbank.com. For SBA loans specifically, ask for their business lending or SBA department.

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