SBA loans to sit-down restaurants in Wisconsin
Short answer
SBA's loan file shows 296 loans to sit-down restaurants in Wisconsin since October 2019. 24.0% financed a change of ownership, against 13.3% nationally. 10.5% were lines of credit, against 17.9% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 296
- median loan
- $276,800
- dollars approved
- $148.34M
- financed a change of ownership
- 24.0%
These are the 296 SBA 7(a) loans to sit-down restaurants in Wisconsin approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Wisconsin differs from the U.S.
What this means for you. If you are buying a business, purchases were a bigger share of these loans here than nationally.
Change of ownership
24.0% of the loans in Wisconsin financed a change of ownership, against 13.3% nationally.
Lines of credit
10.5% of the loans in Wisconsin were lines of creditA credit limit you can draw on, repay and draw on again. , against 17.9% nationally.
We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure.
Wisconsin next to the U.S.
| Measure | Wisconsin | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 4.7% | 4.5% | No clear gap |
| Median loan | $276,800 | $274,500 | No clear gap |
| Middle half of loans | $120,750 to $601,000 | $84,000 to $661,100 | – |
| Startups (the loan opens the business) | 23.0% | 25.7% | No clear gap |
| In business 2 years or less | 15.9% | 16.4% | No clear gap |
| In business more than 2 years | 35.5% | 43.8% | No clear gap |
| Change of ownership | 24.0% | 13.3% | Clearly higher |
| SBA Express | 26.0% | 31.1% | No clear gap |
| Lines of credit | 10.5% | 17.9% | Clearly lower |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2 points over Prime | 2.5 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Wisconsin
The 5 lenders below made 73 of the 296 loans approved October 2019 to June 2026, or 24.7%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Nicolet National Bank | 22 | 7.4% | Not in top 5 |
| Old National Bank | 14 | 4.7% | Not in top 5 |
| U.S. Bank | 14 | 4.7% | 3.1% |
| Bank First | 12 | 4.1% | Not in top 5 |
| Byline Bank | 11 | 3.7% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Sit-down restaurants in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 1,924 |
| Texas | 1,118 |
| New York | 945 |
| Florida | 897 |
| Ohio | 790 |
| Michigan | 584 |
| Georgia | 580 |
| Pennsylvania | 546 |
More industries in Wisconsin
Other industries in Wisconsin with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Fast-food, pizza and counter-service restaurants | 172 |
| Plumbing and HVAC companies | 140 |
| Landscaping and lawn care companies | 134 |
| Home remodeling contractors | 103 |
| Local trucking companies | 93 |
| Paving, fencing, pool and other specialty contractors | 91 |
| Long-haul truckload carriers | 66 |
| Dental practices | 54 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to sit-down restaurants in Wisconsin. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/full-service-restaurants/wisconsin/
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