A licensed commercial loan broker in Green Bay, WI connects your business to multiple lenders for SBA 7(a) loans, equipment financing, working capital, commercial real estate, lines of credit, and invoice factoring.
A commercial loan broker acts as an intermediary between your business and capital sources, shopping your file to banks, credit unions, and alternative lenders who underwrite the loan products you need. Rather than applying to one bank and hoping for approval, you gain access to dozens of lending relationships through a single conversation. At Myrtle Business Capital, we review your financials, identify which underwriters will view your file favorably, and prepare documentation that addresses the specific credit-box criteria each lender enforces. This process saves time, prevents unnecessary credit inquiries, and often surfaces programs you wouldn't find on your own.
Green Bay's mix of manufacturing operations along Broadway and Ashland Avenue, hospitality businesses near Lambeau Field, and retail corridors in De Pere means loan needs vary widely. A commercial mortgage broker near me search brings you to our office at 700 Pilgrim Way, Green Bay, WI 54304, where we've structured financing for machine shops in Allouez, brewpubs in Ashwaubenon, and cold-storage expansions in Suamico.
Underwriters evaluate four pillars: business cash flow, owner credit, collateral, and industry risk. Most commercial loan broker requirements start with two years of tax returns, interim profit-and-loss statements, a personal financial statement, and a business-debt schedule. Lenders calculate debt-service-coverage ratio, the margin between your net operating income and proposed monthly payments. A ratio above 1.25 typically clears SBA 7(a) and conventional commercial real estate thresholds; ratios between 1.10 and 1.25 may require additional collateral or a larger down payment.
Owner credit scores matter, but context counts. A 680 score with clean trade lines often outperforms a 720 with recent charge-offs. We explain exactly which blemishes underwriters overlook and which trigger automatic declines, so you walk in knowing where you stand.
Businesses use commercial real estate loans to purchase warehouses in Howard and Ledgeview, equipment financing to acquire CNC machines or refrigerated delivery trucks, and working capital to bridge seasonal gaps in the hospitality trade around Oneida and Hobart. Invoice factoring supports staffing agencies and logistics companies waiting 60 days for receivables, while business lines of credit provide flexible draw-down capacity for contractors managing job-site expenses.
A local HVAC contractor recently approached us needing both a truck upgrade and bridge capital for a school-district retrofit project. We matched the equipment piece to a captive finance program at 0.9 factor rate and the working capital to a 90-day receivables advance, structuring two facilities that fit the cash-conversion cycle instead of forcing a single term loan.
How it works
Call (920) 269-9402 to start a no-obligation consultation. We ask about your financing goal, review twelve months of bank statements to verify cash flow, and pull a soft credit inquiry that won't impact your score. Within 48 hours, you receive a written summary of which lenders will compete for your file and what documentation each requires. We handle lender communication, coordinate site appraisals or equipment inspections, and walk you through closing so you understand every line item before signing.
Because we're a commercial business loan broker, not a lender, we have no internal credit committee to satisfy. Our loyalty is to finding the program that matches your underwriting profile and cost tolerance, whether that's an SBA 7(a) loan with a 25-year amortization or a 12-month working-capital facility.
Green Bay businesses benefit from Wisconsin's strong community-bank network and active SBA lender roster. Our Pilgrim Way office sits ten minutes from downtown, fifteen from the De Pere business district, and twenty from Suamico, making face-to-face meetings practical for owners across Brown County. We also serve surrounding communities where local branches may lack commercial-lending authority or specialized product knowledge.
Cost transparency begins with origination. Broker fees, if any, are disclosed in writing before you submit documents. Most lenders pay broker compensation directly, meaning zero out-of-pocket cost to you. When a fee does apply, we explain exactly what service it covers.
Pre-qualification is not approval. An underwriter's preliminary yes becomes a funded loan only after title review, environmental Phase I (for real estate), UCC searches, and final credit-committee vote. We map every contingency so you can address issues early.
Speed depends on documentation completeness. A clean file with organized financials, lease agreements, and entity documents moves through underwriting in two to three weeks. Missing schedules or amended returns can double that timeline.
Serving the Green Bay area
We know which lenders fund which kinds of Green Bay businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Green Bay owners trust Myrtle Business Capital
