# Small business loans in Eau Claire, WI

**Short answer:** The most active SBA lenders in Eau Claire, WI since FY2024 are CCFBank (18 loans) and U.S. Bank (15). The median loan was $296,700, and half fell between $50,000 and $992,500. For free help, see the Wisconsin Small Business Development Center. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/wisconsin-small-business-loans/eau-claire/
Data as of: 2026-06-30

## Lenders making SBA loans in Eau Claire

CCFBank made the most loans in Eau Claire, 26% of the total.

**Lenders with five or more SBA loans in Eau Claire, WI, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [CCFBank](https://www.sbaexpress.loans/sba-express-lenders/ccfbank/) | 18 | 26.5% |
| [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/wisconsin/) | 15 | 22.1% |

Share is the percent of all Eau Claire loans in that period. Each name links to that lender's page for Wisconsin where one exists.

Eau Claire has two lenders with five or more loans since FY2024. Others had fewer, and the Wisconsin page counts 207 lenders with at least one approved loan statewide.

## Local help near Eau Claire

Eau Claire borrowers can start with SBA's district office for Wisconsin, an SBDC or SCORE.

37% of Eau Claire borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.

SBA has one district office for Wisconsin. Its page points to state and federal resources and to lenders in the area. The Wisconsin Small Business Development Center gives free counseling across Wisconsin.

- [SBA Wisconsin District Office: SBA district office](https://www.sba.gov/district/wisconsin)
- [Wisconsin Small Business Development Center: Small Business Development Center](https://wisconsinsbdc.org/)
- [SCORE mentors in Wisconsin: Business mentoring](https://www.score.org/wi/)

Alongside SBA loans, Wisconsin runs four loan programs. The [Wisconsin page](https://www.sbaexpress.loans/wisconsin-small-business-loans/#loan-programs-in-wisconsin) describes each, and the official pages are linked here.

- [WHEDA Wisconsin Small Business Guarantee](https://www.wheda.com/lending-partnerships/business-lending/business-financing-products)
- [WHEDA Participation Lending Program](https://www.wheda.com/lending-partnerships/business-lending/business-financing-products)
- [WHEDA SBA 504 bridge financing](https://www.wheda.com/lending-partnerships/business-lending/business-financing-products)
- [WEDC Technology Development Loans](https://wedc.org/programs/technology-development-loans/)

## Loan counts and sizes in Eau Claire

Eau Claire ranks 5th by loans since FY2024 among the 9 Wisconsin cities with 100 or more SBA loans since FY2020. Nationally it is the 381st busiest of the 580 cities that reach 100 loans.

The 68 loans, 2.7% of the 2,534 in Wisconsin, were approved for $46.7 million in all. The median loan was $296,700, 97% above the national median of $150,300. Half of the loans fell between $50,000 and $992,500. The Eau Claire median is 45% above the Wisconsin median of $204,500.

**Eau Claire, WI compared with Wisconsin and the nation, loans from FY2024 to June 2026**

| Measure | Eau Claire | Wisconsin | U.S. |
| --- | --- | --- | --- |
| Loans | 68 | 2,534 | 162,355 |
| Median loan | $296,700 | $204,500 | $150,300 |
| 25th percentile | $50,000 | $75,000 | $50,000 |
| 75th percentile | $992,500 | $500,725 | $500,000 |
| Via SBA Express | 41.2% | 32.0% | 35.8% |
| Lines of credit | 26.5% | 23.9% | 28.1% |
| Startups | 16.2% | 18.4% | 16.1% |
| Ownership changes | 17.6% | 17.7% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.0 | 2.25 | 2.75 |
| Charged off | 0.0% | 2.1% | 3.6% |

A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.

62% of the loans were $500,000 or less, the size SBA Express covers. 41.2% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 26.5% of loans, close to the national 28.1%.

SBA loans in Eau Claire, WI by size, FY2024 to June 2026

- $50,000 or less (26%): 18
- $50,001 to $150,000 (10%): 7
- $150,001 to $350,000 (15%): 10
- $350,001 to $500,000 (10%): 7
- $500,001 to $1,000,000 (21%): 14
- $1,000,001 to $2,000,000 (9%): 6
- Over $2,000,000 (9%): 6

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 45.6% of loans went to businesses more than two years old and 20.6% to businesses two years old or younger. Startups received 16.2% and changes of ownership 17.6%.

SBA loans in Eau Claire, WI by fiscal year

- FY2020: 10
- FY2021: 10
- FY2022: 16
- FY2023: 14
- FY2024: 23
- FY2025: 28
- FY2026 (through June 30): 17

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume rose 22% from FY2024 (23 loans) to FY2025 (28), the two latest full years. The busiest full year in the file was FY2025, with 28 loans. FY2026 already shows 17 loans through June 30.

Of the 36 loans Eau Claire borrowers received in FY2020 to FY2022, 0.0% were charged off by June 30, 2026, against 3.6% nationally. That group is small, so treat the rate as rough. Lenders reported 783 jobs supported across the 68 loans since FY2024, about 11.5 per loan. SBA does not audit these estimates.

## A typical loan payment in Eau Claire

The median Eau Claire loan was $296,700 with a median term of 10 years.

The median variable-rate loan in Eau Claire was priced at Prime plus 2.0 percentage points at approval. At today's Prime that spread works out to 9.00%. On $296,700 over 10 years, principal and interest would come to about $3,758 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Eau Claire loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $50,000 | $633 |
| Median loan | $296,700 | $3,758 |
| 75th percentile loan | $992,500 | $12,573 |

Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.

SBA's rate ceiling for this loan size

SBA's maximum for a loan of $296,700 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 2.5 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Eau Claire loans approved since FY2024 had a median starting rate of 9.25% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.

Run your own numbers: [payments on a $300,000 loan](https://www.sbaexpress.loans/loan-amounts/300000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Eau Claire

Eau Claire has 20 SBA 504 loans since FY2024, with $29.6 million in SBA and CDC dollars.

The median 504 loan in Eau Claire was $833,000 in SBA and CDC dollars, 17% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.

WBD, Inc. is the one Certified Development Company (CDC) named on five or more loans, 35 since FY2020.

**CDCs named on five or more 504 loans in Eau Claire, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| WBD, Inc. | 35 |

How a 504 loan is split

A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## Wisconsin cities near Eau Claire

Eau Claire made up 2.7% of Wisconsin's SBA loans since FY2024.

Eau Claire is one of 9 Wisconsin cities with 100 or more SBA loans since FY2020. The [Wisconsin page](https://www.sbaexpress.loans/wisconsin-small-business-loans/) covers all 2,534 loans in Wisconsin. The closest come first, ranked by county and ZIP code on their loans.

- [Appleton: 70 loans, median $190,250](https://www.sbaexpress.loans/wisconsin-small-business-loans/appleton/)
- [Green Bay: 75 loans, median $250,000](https://www.sbaexpress.loans/wisconsin-small-business-loans/green-bay/)
- [Madison: 129 loans, median $250,000](https://www.sbaexpress.loans/wisconsin-small-business-loans/madison/)
- [Milwaukee: 268 loans, median $150,000](https://www.sbaexpress.loans/wisconsin-small-business-loans/milwaukee/)
- [Waukesha: 62 loans, median $201,000](https://www.sbaexpress.loans/wisconsin-small-business-loans/waukesha/)
- [Kenosha: 46 loans, median $150,000](https://www.sbaexpress.loans/wisconsin-small-business-loans/kenosha/)
- [Sheboygan: 35 loans, median $175,300](https://www.sbaexpress.loans/wisconsin-small-business-loans/sheboygan/)
- [Brookfield: 54 loans, median $193,500](https://www.sbaexpress.loans/wisconsin-small-business-loans/brookfield/)

## Common questions about SBA loans in Eau Claire

### Which lenders make the most SBA loans in Eau Claire?

CCFBank leads with 18 loans in Eau Claire since FY2024. U.S. Bank (15) follows. Only lenders with five or more Eau Claire loans are counted.

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. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA Wisconsin District Office](https://www.sba.gov/district/wisconsin)
- [Wisconsin Small Business Development Center](https://wisconsinsbdc.org/)
- [SCORE, Wisconsin](https://www.score.org/wi/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)