Business Financing

Business Financing

At Monona State Bank, we're committed to our business banking partners – and their growth. That said, we offer a full array of financial products to do this.

Lines of Credit

We offer a variety of credit lines for short-term liquidity and seasonal financing. For permanent financing for equipment purchases, expansion and other capital improvements, Monona State Bank provides term loans with various maturities.

Commercial Real Estate and Construction Loans

Monona State Bank offers a variety of real estate financing options for building your new business or expanding an existing one. We provide construction and permanent financing with a variety of structuring options. Our expertise and reputation makes Monona State Bank an excellent choice for your next commercial real estate project.

Residential Construction and Land Development Loans

Monona State Bank offers construction and land development loans. Our experienced lenders will help you with your financing needs whether you build five or 500 homes each year.

Small Business Administration (SBA) Loans

Monona State Bank is an experienced Small Business Administration (SBA) program lender. Our experience with working with our clients to get the SBA loan they need has made us the leading SBA loan provider in Dane County for 2009-10.

SBA 7A Loan Program

Monona State Bank is an active participant in SBA's most widely used loan programs offering longer terms, low down payments and flexible terms. The program is used for business acquisitions, start ups, expansions, working capital and equipment purchases.

SBA 504 Loan Program

With low down payment requirements and long term fixed financing on a portion of the loan, the SBA's 504 Loan Program finances hard asset purchases such as land, buildings and equipment.


Let us help you with the lease vs. buy decision. There may be potential tax benefits and low or no down payment options.

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