The Fisher National Bank
The Fisher National Bank is an active SBA lender in Illinois, a bank offering SBA-guaranteed small-business loans. Currently rated 4.7 stars across 25 Google reviews.
$14M
in SBA approvals since 2010
55
SBA loans funded
Restaurants & Food Service · General Retail · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The Fisher National Bank
Specializing in small business financing, this bank offers a range of SBA loan options tailored to meet the needs of entrepreneurs and growing companies. With a focus on supporting local businesses, it provides accessible funding solutions for various industries, including retail, manufacturing, and services. The bank is committed to helping clients secure the capital they need to expand, purchase equipment, or manage cash flow, with a straightforward application process and personalized service. Its experienced team understands the nuances of SBA lending and works closely with borrowers to ensure a smooth approval journey. Whether you're starting a new venture or scaling an existing business, this lender provides flexible terms and competitive rates to help you achieve your goals. Located in Fisher, Illinois, the bank also offers guidance on eligibility and documentation requirements, making it easier for small business owners to access vital funding. With a history of supporting local economic growth, it remains dedicated to fostering entrepreneurship and community development through reliable financial services.
Industries The Fisher National Bank finances
Business types The Fisher National Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about The Fisher National Bank
What is this place and what can I find here?
This is a local bank offering small business loans, including SBA financing, to support entrepreneurs and business growth in the Fisher area. You can find personalized assistance, loan options, and guidance on the application process to help you secure the funding you need.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours. Calling ahead can help you prepare and streamline your visit.
What are the hours of operation?
The Fisher National Bank operates Monday–Thursday 8:00 AM–3:00 PM, Friday 8:00 AM–6:00 PM, and Saturday 8:00 AM–12:00 PM. Confirm current hours with the bank.
Is there a fee to use this?
There are no fees for simply visiting or consulting with the bank; however, loan products may have associated interest and fees, which will be detailed during the application process.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small business owners in the Fisher area, but they may consider applications from qualified applicants outside the immediate community.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 620 is preferred, but approval depends on the overall strength of the application and business financials.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 2 to 4 weeks, depending on the completeness of the application and documentation provided.
Is this open on weekends?
The Fisher National Bank is open Saturday 8:00 AM–12:00 PM. Sunday hours are not listed.
How do I get there and where do I park?
The Fisher National Bank is located in Illinois — 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 The Fisher National Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Fisher National Bank itself, which runs its own lending under its own ownership. If you work at The Fisher National Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The Fisher National 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 The Fisher National Bank before applying. If you represent The Fisher National Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The Fisher National Bank by phone at (217) 897-1136 or online at fishernational.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 The Fisher National Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, The Fisher National Bank most often finances businesses in restaurants & food service and general retail. This reflects The Fisher National 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 The Fisher National Bank 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 The Fisher National Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Fisher National Bank 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. The Fisher National Bank 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 Fisher National Bank offers start-up business loans and welcomes new business owners through their commercial lending team. Confirm eligibility requirements with the lender.
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 The Fisher National Bank 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 The Fisher National Bank 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 The Fisher National Bank 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. The Fisher National Bank weighs this case by case under its own policy, so be upfront about your history and ask The Fisher National Bank how it evaluates prior bankruptcies.
