Fortifi Bank Spotlight: What Small Businesses Should Know About SBA Loans

Flexible funding backed by the Small Business Administration—delivered by your local bank.

Access to the right funding can make all the difference for a growing small business. That’s why Small Business Administration (SBA) loans are a valuable option for entrepreneurs looking to expand, manage cash flow, purchase equipment, or navigate uncertain times with confidence.

At Fortifi Bank, we’re proud to help Wisconsin businesses explore financing solutions that work for them—including SBA loans.

What Is an SBA Loan?

An SBA loan is a government-backed loan program offered through approved lenders like Fortifi Bank. These loans are designed to reduce the risk for lenders while making it easier for small businesses to qualify for competitive financing.

The SBA doesn’t issue the loan itself—instead, it guarantees a portion of the loan, helping local banks like Fortifi say “yes” more often to small business clients.

SBA Loan Types We Can Help You Explore

Here are a few common SBA loan programs available to small business owners:

• SBA 7(a) Loan Program
  The most popular and versatile option. Great for working capital, equipment purchases, renovations, or refinancing existing debt.

• SBA 504 Loan Program
  Designed for major fixed assets like real estate, equipment, or large-scale expansion projects.

• SBA Express Loans
  Offers quicker turnaround and streamlined processes for loan amounts up to $500,000—perfect for faster funding needs.

Why SBA Loans Can Be a Smart Move

SBA loans often offer lower down payments, longer repayment terms, and competitive interest rates, making them ideal for businesses looking to preserve cash flow and scale sustainably. They also come with built-in support systems, helping you make informed financial decisions as your business grows.

Work With a Lender Who Knows Your Business

Because SBA loans involve additional documentation and requirements, having the right local lender matters. Fortifi Bank’s experienced business bankers can guide you through the process—helping you determine eligibility, choose the right loan type, and prepare a strong application.

We understand Wisconsin businesses because we live and work here too.

Let’s Grow—Together

If you’re a small business owner exploring financing options, talk to our team about how an SBA loan might support your goals.