Tri City National Bank

This is a commercial bank that provides SBA loan programs, including 7(a), to support small and medium-sized businesses with funding options tailored to their needs. You can find personalized service, expert guidance, and flexible financing solutions designed to help your business grow and succeed.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.

Tri City National Bank's Oak Creek branch lobby operates Monday-Friday 9:00 a.m. to 5:00 p.m., with drive-thru service extending to 5:30 p.m. and Saturday service 9:00 a.m. to 12:00 p.m. (lobby) or 8:30 a.m. to 12:00 p.m. (drive-thru). Confirm current hours with the branch.

There are no fees to visit the bank; however, loan applications and services may include origination or processing fees depending on the specific loan product.

This bank primarily serves small and medium-sized businesses across the United States, with a focus on supporting local and regional clients, but eligibility is based on business criteria rather than residency alone.

A minimum personal credit score of 620 is generally preferred, though higher scores may improve approval chances.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Yes, Tri City National Bank's Oak Creek branch is open Saturday 9:00 a.m. to 12:00 p.m. (lobby) and 8:30 a.m. to 12:00 p.m. (drive-thru). Confirm current SBA department availability by contacting the branch.

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

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

Tri City National Bank's Oak Creek branch can be reached at (414) 761-1610 or through their website contact form at tcnb.com/contact-us.html. For SBA lending inquiries, request their business lending department.

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