Small Business Loans in Green Bay, WI, All Programs

BLUF Answer: Myrtle Business Capital brokers business loans in Green Bay for manufacturers, food processors, retailers, and service companies across all seven SBA loan programs plus working capital, equipment financing, lines of credit, and invoice factoring, explaining underwriting criteria and fee structures before you apply.

What we broker

Loan programs for Green Bay businesses

Why Green Bay Businesses Work With a Loan Broker

Answer: A commercial-loan broker sources multiple lender options, explains underwriting standards before submission, and discloses all broker and lender fees upfront, so you compare true cost and structure rather than chasing rates you may not qualify for.

Green Bay sits at the intersection of heavy manufacturing, paper and tissue production, food processing, logistics, and tourism. That diversity means a packaging equipment supplier in Ashwaubenon carries different working-capital cycles than a brew pub in Howard or a machine shop in Allouez. National online platforms apply one-size scoring. Myrtle Business Capital reviews your interim financials, explains debt-service-coverage thresholds, identifies which collateral an underwriter will actually lend against, and tells you the broker fee and estimated lender costs before you sign an engagement letter. Transparency replaces surprise.

Who we serve

Loan Programs Available in Green Bay and Surrounding Communities

SBA 7(a) Loans

Answer: finance business acquisitions, real estate purchases, equipment, and working capital up to $5 million with longer amortizations and lower down payments than conventional loans, requiring personal guarantees and demonstrable cash flow to service debt. The SBA guarantees a portion of the loan, which lets lenders extend terms to 10 years for equipment or 25 years for owner-occupied real estate.

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Working Capital Loans

Answer: bridges seasonal revenue gaps, funds inventory purchases, or covers payroll during growth phases, typically structured as short-term loans or lines of credit with repayment tied to your operating cycle. A cheese processor in Ledgeview buying milk in September for holiday orders, or a landscaping company in Suamico carrying payroll through winter, both need cash before revenue arrives.

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Equipment Financing

Answer: funds machinery, vehicles, technology, and production tools, using the equipment itself as collateral, with terms matching the asset's useful life and down payments that vary by equipment type and borrower strength. Whether you need a CNC mill for a job shop in Hobart, delivery vans for a distributor near Lombardi Avenue, or a new commercial oven for a bakery in De Pere, lenders will appraise the equipment's liquidation value and compare it to the loan amount.

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Commercial Real Estate Loans

Answer: finance the purchase or refinance of owner-occupied industrial, office, retail, or mixed-use properties, typically requiring 10 to 25 percent down and amortizing over 20 or 25 years. Green Bay's inventory of older manufacturing buildings along Broadway and newer flex space near Austin Straubel Airport offers acquisition opportunities, but underwriters will order an appraisal, Phase I environmental assessment, and sometimes a property-condition report.

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Business Lines of Credit

Answer: provide revolving access to funds for short-term needs, with interest charged only on the outstanding balance and annual renewals that require updated financials and covenant compliance. A staffing agency in Ashwaubenon or a wholesale distributor near Highway 41 can draw funds to cover payroll before client payments arrive, then pay down the line when receivables clear.

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Invoice Factoring

Answer: converts unpaid B2B or B2G invoices into immediate cash by selling the receivables at a discount, providing liquidity without adding debt to your balance sheet, though at a higher effective cost than traditional loans. Factoring works for Green Bay manufacturers, trucking companies, and contractors with creditworthy commercial customers but limited borrowing capacity.

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How it works

How the Process Works With Myrtle Business Capital

Answer: You share recent financials and describe your funding need; we identify which loan structures fit your cash flow and collateral, explain underwriting benchmarks and all fees, then submit your file to appropriate lenders and guide you through documentation to closing.

Call (920) 269-9402 to start. We review 24 months of business tax returns, year-to-date profit and loss, balance sheet, personal financial statement, and credit summary. We tell you which programs you qualify for, what down payment or equity injection underwriters expect, and the broker fee for our service. If your file needs strengthening, better accounts-receivable documentation, a co-guarantor, or interim cash injection, we explain that before submission, not after a decline.

Green Bay's Business Landscape and Loan Fit

Green Bay and its surrounding communities, Allouez, Ashwaubenon, De Pere, Ledgeview, Howard, Hobart, Oneida, Suamico, host paper converters, cold-storage warehouses, food processors, precision machining shops, and logistics providers alongside retail and hospitality tied to Lambeau Field events. That mix means loan needs range from multi-million-dollar SBA 7(a) acquisitions to $50,000 equipment notes. Myrtle Business Capital brokers all structures, always explaining what the underwriter will measure and what the deal will cost before you commit time to the application. Transparency means you compare options with full information, not marketing promises.

At a glance

Every program we broker in Green Bay

Common questions

Common questions about business loans in Green Bay

What credit score do I need for business loans in Green Bay?+
Most conventional and SBA lenders require personal credit scores of 680 or higher, though some working-capital and equipment lenders will consider scores in the 600-679 range with stronger cash flow, larger down payments, or additional collateral. We review your credit summary and explain which programs remain open at your score level before you authorize a hard pull.
How long does it take to close a business loan in Green Bay?+
SBA 7(a) and commercial real estate loans typically close in 45 to 90 days after you submit complete financials, appraisals, and environmental reports; working capital and equipment financing can close in 10 to 21 days if your documentation is current. Timelines depend on lender underwriting queues, third-party reports, and how quickly you provide requested information.
Do I need collateral for working capital in Green Bay?+
Many working-capital lenders require a blanket lien on business assets, inventory, receivables, equipment, and a personal guarantee; some also take a second position on real estate if you own your building. We explain each lender's collateral requirements and subordination rules so you understand what you are pledging and any restrictions on future borrowing.
Can I get a business loan if my Green Bay company is less than two years old?+
SBA 7(a) and most conventional lenders prefer two full years of tax returns, but equipment financing and some working-capital products will consider startups with strong personal credit, industry experience, and a meaningful cash injection. We review your business plan, personal financial statement, and projected cash flow to identify lenders willing to underwrite newer businesses.
What fees does Myrtle Business Capital charge as a broker?+
We disclose our broker fee in the engagement letter before you sign; the fee amount depends on loan size, structure complexity, and lender compensation, and it is typically paid at closing. We also outline all estimated lender fees, origination, underwriting, appraisal, environmental, legal, so you see the total cost to close before you proceed.
Are there business loan programs specific to Green Bay or Brown County?+
Wisconsin and Brown County economic-development agencies occasionally offer gap-financing or tax-increment-financing incentives for projects in designated districts, and some lenders participate in USDA Business & Industry or Wisconsin Women's Business Initiative Corporation programs. We monitor local incentive availability and coordinate applications when your project qualifies, layering public support with private financing to reduce your equity requirement., Myrtle Business Capital 700 Pilgrim Way, Green Bay, WI 54304 (920) 269-9402 Licensed commercial-loan broker serving Green Bay, Allouez, Ashwaubenon, De Pere, Ledgeview, Howard, Hobart, Oneida, and Suamico. We explain underwriting standards and disclose all costs before you apply, so you choose the loan structure that fits your cash flow and balance sheet. Visit our Service Areas page to confirm coverage, or read About Myrtle Business Capital to learn how we operate.

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Why Green Bay owners trust Myrtle Business Capital

Licensed Commercial Loan BrokerState-licensed to arrange business financing on your behalf.
Broker, Not a LenderWe shop your deal across multiple lenders — we don't fund loans ourselves.
No Upfront FeesYou pay nothing to apply or get matched with a lender.
Confidential & SecureYour financial information is never shared without your consent.
Local to Green Bay, WIBased in Green Bay, WI, with on-the-ground knowledge of local lenders and licensing.
National Lender NetworkAccess to lenders coast to coast, not just those in your immediate area.
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