WNB Financial, National Association
WNB Financial, National Association is an active SBA lender in Minnesota, a bank offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 25 Google reviews.
$27M
in SBA approvals since 2010
40
SBA loans funded
Medical Practices & Clinics · Restaurants & Food Service · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About WNB Financial, National Association
WNB Financial offers comprehensive SBA lending services, specializing in small business financing solutions that help entrepreneurs grow and succeed. With a focus on supporting local businesses, this institution provides a range of loan options including the popular SBA 7(a) program, which is ideal for working capital, equipment purchases, and business expansion. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Winona, MN, they serve a broad spectrum of industries, emphasizing personalized service and flexible lending criteria to meet the unique needs of each business. Whether you're a startup or an established enterprise, WNB Financial is committed to fostering economic development through tailored financial products and attentive customer service. Their loan approval amounts can reach up to $606,600, making them a reliable partner for various business sizes and needs. The bank's expertise in SBA programs positions them as a strong choice for small business owners seeking accessible and competitive financing options.
Serves SBA borrowers in 2 states
WNB Financial, National Association has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries WNB Financial, National Association finances
Business types WNB Financial, National Association actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about WNB Financial, National Association
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions designed to support business growth and development. You can find assistance with SBA 7(a) loans, personalized banking services, and expert guidance for your business needs. They focus on helping small businesses access the capital they need to succeed.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability. Contact the branch ahead of your visit for the best experience.
What are the hours of operation?
The branch typically operates from 9:00 AM to 5:00 PM, Monday through Friday. However, hours may vary, so it's advisable to check with the branch directly for current timings.
Is there a fee to use this?
There are no fees for simply visiting or consulting with the bank. Loan application and processing fees may apply depending on the specific financing product.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and entrepreneurs, with services available to both local residents and businesses nationwide. Eligibility depends on meeting loan criteria and business qualifications.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a personal credit score of 640 or higher is preferred, though specific requirements may vary based on the loan type and borrower profile.
How long does the traditional underwriting process take from start to close?
The underwriting process usually takes between 30 to 60 days, depending on the complexity of the loan and completeness of the application.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and WNB Financial, 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 WNB Financial, National Association to confirm current weekend availability before you go.
How do I get there and where do I park?
WNB Financial, National Association is located in Minnesota — 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 WNB Financial, National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by WNB Financial, National Association itself, which runs its own lending under its own ownership. If you work at WNB Financial, National Association, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for WNB Financial, 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 WNB Financial, National Association before applying. If you represent WNB Financial, National Association, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach WNB Financial, National Association by phone at (507) 454-8800 or online at wnbfinancial.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 WNB Financial, National Association before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, WNB Financial, National Association most often finances businesses in restaurants & food service. This reflects WNB Financial, 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 WNB Financial, National Association 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 WNB Financial, National Association participates in SBA Express depends on its specific SBA lending authority. Contact WNB Financial, National Association 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. WNB Financial, National Association 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 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. WNB Financial, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask WNB Financial, National Association directly whether it considers start-up loans.
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 WNB Financial, National Association 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 WNB Financial, National Association 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 WNB Financial, National Association 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. WNB Financial, National Association weighs this case by case under its own policy, so be upfront about your history and ask WNB Financial, National Association how it evaluates prior bankruptcies.
