Flexible financing. Local guidance.
Support for your next business move.
Whether you’re buying equipment, purchasing a building, expanding your business, refinancing debt, or need working capital, FVSBank can help you explore SBA loan options designed for small business growth.
Financing built around your business goals.
SBA loans may offer longer terms, lower down payment options, and reduced collateral requirements compared to some conventional business loans. FVSBank is an approved SBA lender serving businesses in Fond du Lac, Oshkosh, Waupun and the Fox Valley area.
What can an SBA loan help with?
Buy
Purchase equipment, a business, or owner-occupied commercial real estate.
Build
Finance leasehold improvements, building additions, expansions, or ground-up construction.
Expand
Support growth, add capacity, improve operations, or move into a larger space.
Refinance
Consolidate eligible business debt into financing that may better fit your cash flow.
SBA 7(a) Loan1
Best for:
- Working capital
- Business acquisition
- Partner buyout
- Equipment
- Refinancing existing debt
- Owner-occupied commercial real estate
Highlights:
- Loan amounts vary from $200,000 up to $5,000,000
- Fixed-rate terms up to 25 years
- Low down payment options
- As little as 10%
SBA 504 Loan1
Best for:
- Purchasing
- Building
- Improving
- Refinancing owner-occupied commercial real estate
- Equipment
Highlights
- Loan amounts from $400,000 and up
- Fixed-rate terms up to 25 years
- Low down payment options
- As little as 10%
You own and operate a for-profit business.
Your business is legally organized as a sole proprietorship, corporation, partnership, or LLC.
Your business meets SBA eligibility and size standards.
You can show a clear business purpose and repayment plan.
Why Choose FVSBank?
Local decision-making
Work with Wisconsin bankers who understand the local business community.
Personalized guidance
Get help reviewing which SBA option fits your goals.
Flexible business financing
Explore loan structures for growth, real estate, equipment, working capital, and more.
Frequently Asked Questions
What is the Small Business Association (SBA)?
Founded in 1953, the SBA supports American small businesses via loans, contracts, education, and more. The SBA recognizes the important role small businesses play in state and local economies through job creation and economic development. FVSBank is proud to be an approved SBA lender so we can support the financing needs of small businesses in Wisconsin.
What is an SBA 7(a) loan?
The most common SBA loan program, 7(a) loans provide short- and long-term working capital to be used for a variety of business-related expenses, including business equipment & real estate purchases. 7(a) loans can also be used to refinance an existing business loan at a better rate and terms.
What is the SBA 504 loan?
504 loans provide up to $5 million in business financing to purchase the fixed assets, such as commercial equipment, you need to run your business.
Can SBA loans be used to buy a building?
Yes. SBA financing may be used to purchase, build, improve, or refinance owner-occupied commercial real estate.
Can SBA loans be used for working capital?
Yes. SBA 7(a) loans may be used for working capital and other eligible business expenses.
How do I get started?
Start by connecting with an FVSBank business banker. They can help you review your goals, documents, and available SBA loan options.