Loans & Lines of Credit

The expertise and experience that our business bankers bring to the table allows us to offer your business the unique lending solutions you deserve. Having worked with numerous businesses – big and small – we know what works and what doesn’t. Our long list of prospering clients would agree. Simply put, we are committed to our business banking partners – and their growth. For this reason, we offer a full array of financial support products:

Finance Your Business's Dreams

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 Bank provides term loans with various maturities.

Commercial Real Estate and Construction Loans

Monona 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 Bank an excellent choice for your next commercial real estate project.

Residential Construction and Land Development Loans

Monona 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 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 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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Bank Card Services

Monona Bank offers our business clients both VISA® Credit and Debit cards. They can make tracking your business expenses easier and help prevent fraud as well.

Our VISA® Debit cards also  let you turn your everyday purchases into rewards points that you can redeem for travel, merchandise, gift cards and cash back! Your Monona Bank VISA® Debit card is automatically enrolled in our ScoreCard® Rewards Program.

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Our Scorecard® Rewards program rewards you with cash back, gift cards, travel and merchandise!

Monona Bank simplifies your rewards experience.  When you use your consumer or business Monona Bank Visa® debit card, Visa® credit cards or Visa® Business credit card you can earn valuable points which you may use to redeem for cash back, gift cards, travel and merchandise. 

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