Business Loans
Whether you're just getting started, taking on a new project, or expanding your business—Coulee Bank is a local resource you can trust to take your business to the next level. Our experienced relationship managers are knowledgeable in all types of SBA lending and are ready to customize a financing package at a competitive rate to help your business grow and succeed.
Coulee Bank’s lending priority is focused on serving the communities in close proximity to our branch offices. For our La Crosse and Onalaska, Wisconsin branches, our primary lending area will be residents in Jackson, La Crosse, Monroe, Trempealeau, and Vernon counties in Wisconsin and Houston and Winona counties in Minnesota. For our Twin Cities branch located in St. Paul, Minnesota, our primary lending area will be residents in Anoka, Carver, Chisago, Dakota, Hennepin, Ramsey, Scott, Washington, and Wright counties in Minnesota, and St. Croix and Pierce counties in Wisconsin.
Click the categories below to expand for more details.
Lines of Credit / Short-Term Working Capital
If your business is cyclical and you periodically need funds to finance your accounts receivable and inventory levels, this service is for you. These loans provide your business with the flexibility to borrow when you need to and repay part or all of the balance when the funds are available, enabling you to easily manage your day-to-day cash flow.
Equipment / Term Loans
If your business needs to continually invest in new assets without depleting your working capital, this service is for you. By using the appropriate amortization and structure, these loans allow your company to invest in your office, equipment, or plant.
Real Estate Loans
Whether your business is expanding, renovating or building, we can provide numerous options to finance your real estate transaction.
Letters of Credit
Vendors or other third parties sometimes require a letter of credit from a bank to support a transaction(s) they may be doing with your business. Coulee Bank offers this fee based service.
Alternative Financing
Coulee Bank is a local institution that stretches far beyond local resources. Check out our many loan programs to help small businesses including SBA, WHEDA, WBD, NSP, and various City and County loan funds.
Tips for Getting a Business Loan
Watch this video for some great tips on what banks look for when considering loaning money to a business. It includes guidelines to prepare for your meeting, "The 5 Cs," and insights from our business banking team.
Online Loan Applications
Taking the first step to securing a new business loan or line of credit has never been easier. Click here, to fill out our secure, online application. Once completed, your information will be transmitted to one of our loan officers for review.
Please e-mail us or call (608) 784-9550 if you have any questions regarding the online application process.
Individual Financial Statement
The individual financial statement (also known as personal statement) is an important part of the business loan application process. A fully completed statement hastens the decision making process, getting you the money you need fatster. Once completed, your Individual Financial Statement will be transmitted to one of our loan officers for review.
Meet Your Business Banking Team
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Ken Schaefer St. Paul Market President With over 20 years of banking experience supporting entrepreneurs as well as nonprofit organizations, my role is to assist Coulee Bank clients with meeting their business and personal financial goals. I have worked with clients to fund short and long term assets as well as to implement cash management systems. I graduated from the University of St. Thomas and serve on the boards of Greater Frogtown Community Development Corporation and United Family Medicine. I welcome the opportunity to meet with you to explore how Coulee Bank can add to your success. |
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Karen Dunn Senior Vice President / Chief Credit Officer As a commercial lender, I have been assisting businesses meet their financial objectives for more than 15 years. As the Bank’s Chief Credit Officer, it is my responsibility to provide guidance and strategic direction to the staff and collaborate with the commercial lenders to ensure that consistent and quality support is provided to meet your expectations during and through the credit process. I am committed to making your business a success. |
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Jim Lehr Vice President / Business Banker I’ve been helping businesses expand and prosper in Minnesota and the Twin Cities area for over seven years. Having worked in community banking for over twenty years, I understand the importance of finding the right fit for your company, both in terms of the banking relationship along with the right product and service. My goal is to find that fit for your business and, as an experienced professional, assemble the banking tools necessary for success. So whether your business needs a small operating line, a large construction loan or if you're just looking for a banker whose value extends way beyond closing, let’s spend some time together and explore ways we can help. |
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Joe Zoellner Vice President / Sr. Business Banker As a native of La Crosse, I've seen our community grow and change. I believe this helps me as a commercial loan officer to better understand the issues you and your business may face. Whether your needs are depository or lending, I hope to work with you to best identify these needs, and more importantly find ways to meet them. In business, it's easiest to work with people you trust, I hope to earn yours. |
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Jeff Kumfer Business Banking Manager I have 27 years of broad based banking experience with an emphasis on quality lending and commitment to service. I have served the La Crosse market for 11 years, providing banking services to a variety of industries. I look forward to utilizing the exceptional abilities of Coulee Bank to help your business achieve its financial goals. |
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Sarah Danielson I am a native of the La Crosse, WI area as well as a local business owner. In addition to my own business experience, I have 18 years of banking experience that I can put to work for you, from business start-up through succession. My goal is to identify solutions that simplify your finances. With our vast array of depository products and services, plus a dedication to service excellence, I’m poised to be your strategic financial partner. |
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Angela Erdenberger Credit Analyst I have been with Coulee Bank since 2001 and am a La Crosse native and UW-L graduate. As a credit analyst, I assist the lenders with the financial analysis of your loan requests and on an annual basis review loan relationships. Please contact one of our excellent lenders today to assist you with your lending needs. |
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Sara Maliszewski Credit Analyst I am a graduate of UW-La Crosse and have lived in the La Crosse community since moving here as a student. I have worked in banking around the area since 2000, most recently joining Coulee Bank in November 2010. My responsibilities within the business loan department include financial analysis and review of loan relationships. Coulee Bank has a wide variety of banking products to fit your business needs as well as a great team to assist you. Contact us today for more information. |
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Angel Belke Head Loan Coordinator I have been involved with the processing and preparation of Commercial/Consumer loans for 12 years. My job is to remain up-to-date on the current regulations, documents and processes to make sure your loan documents are correct, therefore making your loan closing a worry-free experience. Accuracy is my #1 priority. |
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Robin Barth I am a La Crosse area native and a graduate of UW-Eau Claire with a degree in Finance. I have been working in the La Crosse area business banking market since 2003. I joined the Coulee Bank team in June 2012 working as a credit analyst. As an analyst, I assist the lenders with financial analysis on loan requests, annual reviews and will sometimes join the lender when they meet with you. Please contact one of our experienced lenders today to help you with your business banking needs. |
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