Government Lenders

Developed to contribute to our nation’s economic vitality by promoting and encouraging small business to participate in international markets. This program replaces the Export Revolving Line of Credit (ERLC) and offers more flexible terms, lower fees, and a quick turnaround on the loan decision in order to allow small businesses to compete in today’s fast-paced international marketplace. Limit $1,500,000 guaranteed up to 90%.

Developed to provide the same basic service as the SBA EWCP loan but adding the additional lending capacity of Ex-Im Bank.

SBA Export Express helps small businesses that have exporting potential but need funds to buy or produce goods, and/or to provide services, for export. It combines the SBA’s small business lending assistance with its technical assistance programs to help small businesses that have traditionally had difficulty in obtaining adequate export financing. Technical assistance is provided by SBA’s U.S. Export Assistance Centers, in cooperation with SBA’s network of resource partners, including the small business development Centers (SBDCs) and Service Corps of Retired Executives (SCORE). On approval of a SBA Export Express loan, an U.S. Export Assistance Center Representative will contact the borrower to offer appropriate assistance. This assistance may include training offered through the SBA’s Export Trade Assistance Partnership, SBDC International Trade Center, SCORE, District Export Council, or Export Legal Assistance Network.

The Office of Technology administers the Small Business Innovation Research (SBIR) Program and the Small Business Technology Transfer (STTR) Program. Through these two competitive programs, SBA ensures that the nation’s small, high-tech, innovative businesses are a significant part of the federal government’s research and development efforts. Eleven federal departments participate in the SBIR program; five departments participate in the STTR program awarding $2billion to small high-tech businesses.

First Citizens State Bank of Whitewater

Johnson Bank

Mid America Bank – Todd Schneider

BMO Harris

Peoples Bank

This program is designed to assist in the acquisition or expansion of existing small businesses, as well as limited start-ups. To participate, a borrower must be unable to obtain conventional financing at reasonable terms. There is no limit on the size of the loan but the maximum guarantee amount is the lesser of 80% or $200,000 on term loans and $80,000 on revolving working capital loans.

The CLG helps contractors complete contracts and build their business. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

The NBRG helps to bring or expand business, or develop or rehabilitate commercial real estate in an urban area. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

The Agribusiness Guarantee helps new or existing businesses obtain financing on favorable terms to develop or expand production of products using Wisconsin’s raw agricultural commodities. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

Crop is a loan guarantee for the use of farmers for the expansion of farms located in the state of Wisconsin. This loan guarantee features lower interest rates to be used for working capital or fixed assets by reducing the risk for the lender.

LiDL provides an interest rate subsidy on lender financing to women or minorities who start-up or expand a business.

Purpose: Takeout or permanent financing for businesses (including non-profit businesses) seeking to purchase, construct (new or expansion), or rehabilitate buildings occupied by their businesses, to purchase equipment or buy ownership interests in an existing entity. Any for-profit or non-profit business is eligible for the CRF Business Loan Program. However the determination of whether or not CRF will provide funding is based on the nature of the project and the benefit it brings to the community. Important considerations include but are not limited to the number and type of jobs created/retained and the service the operating company provides the community and its residents.

Purpose of this program is to assist U.S. exporters to obtain loans that facilitate the export ofgoods and services. These working capital loans, made by commercial lenders and backed by Ex-Im Bank’s guarantee, provide the business the liquidity to grow international sales and compete more effectively in the international market place. Ex-Im Bank also offers Term Financing for international foreign buyers of U.S. exports and Export Credit Insurance, which protects U.S. companies against foreign buyer nonpayment.

Developed to provide the same basic service as the SBA EWCP loan but adding the additional lending capacity of Ex-Im Bank.

These loans are for start-up and early growth stage companies unable to access traditional financing. Eligible businesses are ones that are 51% or more owned and primarily controlled by women, people of color, or low to moderate income entrepreneurs: and entrepreneurs who demonstrate the ability to operate a small business and meet other program criteria. Business Assistance Program : The Wisconsin Women’s Business Initiative Corporation offers a variety of opportunities to help small businesses launch and grow including Business Assistance services to our borrowers and class graduates.