SBA 7(a) Loans in Madison, WI
Find lenders offering sba 7(a) loans in the Madison, including Sun Prairie, Middleton, Fitchburg, and surrounding areas. Compare rates, terms, and programs from 84 lenders.
Which SBA 7(a) lenders serve Madison?
84 lenders offering sba 7(a) loans in the Madison, WI area.
First Business Bank
Local SBAMADISON, WI
Madison, Wisconsin-based bank focused exclusively on business clients. Offers SBA 7(a) loans, commercial real estate, asset-based lending, and equipment financing with specialized industry expertise.
Bank Five Nine
Local SBAOCONOMOWOC, WI
Oconomowoc, Wisconsin-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. A trusted lender serving businesses throughout southeastern Wisconsin.
Bank First, N.A.
Local SBAManitowoc, WI
Peoples State Bank
Local SBAWAUSAU, WI
Citizens Community Federal National Association
Local SBAALTOONA, WI
Associated Bank, National Association
Local SBAGREEN BAY, WI
American National Bank-Fox Cities
Local SBAAPPLETON, WI
Town Bank, National Association
Local SBAHARTLAND, WI
Oak Bank
Local SBAFITCHBURG, WI
Waukesha State Bank
Local SBAWAUKESHA, WI
Oostburg State Bank
Local SBAOOSTBURG, WI
Forward Bank
Local SBAMARSHFIELD, WI
UnitedOne Credit Union
Local SBAMANITOWOC, WI
IncredibleBank
Local SBAWAUSAU, WI
Nicolet National Bank
Local SBAGREEN BAY, WI
What does the Madison commercial real estate market look like?
Madison consistently ranks among the strongest small-metro commercial real estate markets in the Midwest, driven by the University of Wisconsin-Madison, a robust state government employment base, and a fast-growing health and biotech sector anchored by Epic Systems' Verona campus. The Capitol Square and State Street corridor form the downtown office and retail core, while the University Research Park on the west side houses biotech, health IT, and engineering firms in a campus-style setting. The East Washington Avenue corridor has emerged as Madison's primary growth axis for mixed-use and multifamily development, connecting downtown to the Sun Prairie submarket. Madison's unemployment rate has historically run well below the national average, supporting consistently tight vacancy rates across office, industrial, and multifamily asset classes.
Key Economic Drivers
- ●Epic Systems headquartered in Verona, employing 13,000+ workers and driving surrounding commercial growth
- ●University of Wisconsin-Madison and UW Health research and medical complex
- ●Wisconsin state government offices concentrated around Capitol Square
- ●University Research Park biotech and health IT cluster on Madison's west side
Market Insight
Epic Systems' continued campus expansion in Verona has made the southwest Madison submarket one of Wisconsin's tightest commercial and residential markets, with Dane County issuing more building permits per capita than any other county in the state.
How do sba 7(a) loans work in Madison, Wisconsin?
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In the Madison metro area, borrowers can access 84 lenders offering SBA 7(a) financing, including Sun Prairie, Middleton, Fitchburg, and surrounding areas. Loan amounts typically range from $25K to $5M with rates from Prime + 1.5% to 3.75%.
Who should consider sba 7(a) loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
What are the key requirements?
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
SBA 7(a) Loans in Madison FAQ
How many SBA 7(a) lenders serve Madison, WI? ▼
What are SBA 7(a) loan rates in Madison? ▼
How long does an SBA 7(a) loan take to close? ▼
Can I use an SBA 7(a) for real estate? ▼
What's the difference between SBA 7(a) and 504? ▼
Where else can I find sba 7(a) loans in Wisconsin?
Guides & resources
Find SBA 7(a) Lenders in Madison
Get matched with lenders offering sba 7(a) loans in the Madison, WI area. Free for borrowers.
Get Matched — Free →