Town Bank, National Association

This is a bank that offers SBA loan programs and financial services tailored for small businesses in Wisconsin. You can find assistance with business financing, loan applications, and guidance on funding options to support your growth.

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.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to confirm hours before visiting or scheduling an appointment.

There are no fees for initial consultations, but loan processing and closing may include standard fees such as guarantee fees and closing costs. These are disclosed upfront during the application process.

This bank primarily serves residents and small business owners within Wisconsin, but eligibility depends on meeting specific loan criteria and creditworthiness.

The minimum credit score typically required is 620, but higher scores improve approval chances and loan terms.

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

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

Town Bank's Hartland branch offers dedicated parking lots for visitors.

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

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

You can reach Town Bank, National Association by phone at (262) 367-1900 or online at townbank.us — 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 Town Bank, National Association before relying on them.

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