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Small Business
WISCONSIN 2019-2020
resource guide
How to
Grow Your
BUSINESS
in Wisconsin 1
2
CONTENTS
Wisconsin Edition 2019-2020
Local Business Funding
Assistance Programs
8 National Success Story 22 National Success Story
Rebecca Fyffe launched Landmark Jennifer and Jeff Herbert’s
Pest Management with the help meadery has expanded into a
of the SBA-supported Women’s multimillion dollar enterprise
Business Development Center. thanks to SBA assistance.
11 Your Advocates 25 Need Financing?
12Local SBA Resource 26 SBA Lenders
Partners
34 Go Global with
14 How to Start a Business International Trade
18 Entrepreneurial 34 Investment Capital
Opportunities
36 R&D Opportunities for
19 Opportunities for Veterans High Growth Startups
20 Local Success Story 38 National Success Story
When she decided to expand with Cheeseburger Baby owner
affordable business financing, Stephanie Vitori persevered
Stacy Tuschl turned to the SBA. through a financial storm and a
natural disaster.
41 SBA Disaster Assistance
42 Surety Bonds
Contracting
44 National Success Story
Jennifer Rahn steers the course
for Admiral Engineering,
succeeding as a small business
subcontractor.
47 Government Contracting
48 SBA Certification
Programs
49 Woman-Owned Small
Business certification
ON THE COVER Stacy Tuschl, photo
courtesy of Academy of Performing Arts
3
4
5
PUBLISHED BY
New South Media, Inc.
304.413.0104 | newsouthmedia.com
PUBLISHER
Nikki Bowman, nikki@newsouthmediainc.com
ASSOCIATE EDITORS
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Jess Walker, jess@newsouthmediainc.com
DESIGNER
Hayley Richard, hayley@newsouthmediainc.com
OPER ATIONS MANAGER
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ADVERTISING SALES DIRECTOR
Heather Mills, heather@newsouthmediainc.com
ADVERTISING SALES
Kelley McGinnis, Bryson Taylor
sba@newsouthmediainc.com
Copyright: New South Media, Inc. Reproduction in part or whole is strictly prohib-
ited without the express written permission of the publisher.
© NEW SOUTH MEDIA, INC., ALL RIGHTS RESERVED
The U.S. Small Business Administration’s Office of Marketing & Customer Service directs
the publication of the Small Business Resource Guide under SBA Contract #SBAHQ-
17-C-0018. SBA publication summer 2019 national edition #mcs-0089.
WRITER/EDITOR
Becky Bosshart
(202) 205-6677
rebecca.bosshart@sba.gov
DIRECTOR OF MARKETING
Paula Panissidi Tavares
paula.tavares@sba.gov
The SBA’s participation in this publication is not an endorsement of the views,
opinions, products or services of the contractor or any advertiser or other participant
appearing here. All SBA programs and services are extended to the public on a nondis-
criminatory basis.
Directory listings do not constitute or imply an endorsement by the SBA of any
opinions, products, or services of any private individual or entity.
Printed in the United States of America.
While every reasonable effort has been made to ensure that the information con-
tained here is accurate as of the date of publication, the information is subject to
change without notice. The contractor that publishes this guide, the federal govern-
ment, or agents thereof shall not be held liable for any damages arising from the use
of or reliance on the information contained in this publication.
6
SBA Wisconsin District Office
The 310W Madison Office
310 W. Wisconsin Ave. #580W 740 Regent St., suite 100
Milwaukee, WI 53203 Madison, WI 53715
(414) 297-3941 (608) 441-5263
Fax (414) 297-1377 Fax (608) 441-5500
sba.gov/wi
@SBA_Wisconsin
District Director Letter District Director Business Opportunity
W
Eric Ness Specialist/SBDC
elcome to the 2019-2020 edition of the U.S. Small Business (414) 297-1471 Representative
Administration’s Wisconsin Small Business Resource Guide. eric.ness@sba.gov James Strube
The SBA helps make the American dream of small business (414) 297-3951
Deputy District Director/
ownership a reality. It is the only federal agency dedicated to helping this james.strube@sba.gov
Veterans Business
country’s 30 million small businesses start, grow, expand, and recover Representative Program Support
after a disaster. The SBA Milwaukee and Madison offices, along with an Frank Demarest Jr. Assistant/8(a)
extensive network of lenders, counseling partners, and other economic (414) 297-1099 Business Development
development organizations, help Wisconsin’s 452,000 small businesses frank.demarest@sba.gov Representative
at every phase of the lifecycle. Across Wisconsin last year, we empowered Cartina Austin
District Counsel
small businesses to: cartina.austin@sba.gov
Andrea Button
• Access more than $628 million in SBA-backed loans through 200 (414) 297-1092
(312) 886-0704
banks, credit unions, community-based lenders, and microlenders. Lender Relations
andrea.button@sba.gov
The 1,500 small businesses that qualified for SBA financing then Specialist/District
hired thousands of new employees, bought more equipment, and Public Affairs Specialist International Trade
built or renovated new facilities. Shirah Rachel Apple Officer
• Receive mentoring and counseling at the 30 local locations of (414) 297-1096 Ellie Berg
our SBA Resource Partners, including SCORE, Small Business rachel.apple@sba.gov (414) 297-1488
Development Centers, Women’s Business Centers, and the Veterans Lead Economic elvira.berg@sba.gov
Business Outreach Center. Development Specialist/ Lender Relations
• Receive federal contracts totaling nearly $780 million. SCORE/Women’s Specialist
• Recover from flooding in southern and western Wisconsin in late Business Representative Chris Dedrick
2018. Nearly 400 homeowners and business owners received SBA Tammie Clendenning (608) 441-5560
disaster assistance loans totaling $14.9 million. (414) 297-1093 christena.dedrick@sba.gov
The SBA team in the Badger State travels regularly to speak at events, tammie.clendenning@
District Support
conferences, and seminars. Stay up to date on what’s happening near you sba.gov Assistants
and get the tools you need to power your business by following us on Twitter
Economic Development Betsy Jorgensen
at @SBA_Wisconsin. Register for email updates at sba.gov/updates. Specialist/ (608) 441-5263
Administrative Officer/ betsy.jorgensen@sba.gov
Sincerely,
Disaster Assistance
Coordinator Gloria Hloucal
Patricia Pettey (414) 297-1091
(608) 441-5519 gloria.hloucal@sba.gov
Eric Ness Regional Advocate
patricia.pettey@sba.gov
Wisconsin District Director Office of Advocacy
Lead Business
Les Davies
Opportunity
Specialist/HUBZones (614) 469-6860 x267
Representative leslie.davies@sba.gov
Shane Mahaffy National Rural Advocate
(414) 297-1455 Joe Knilans
darryl.mahaffy@sba.gov (608) 441-5264
joseph.knilans@sba.gov
7
LOCAL BUSINESS
ASSISTANCE
How We Did It
Made
to Last
Joyce and Jerado Reynolds used SBA
support to succeed.
Written by Micaela Morrissette
COURTESY OF SHANA SURECK PHOTOGRAPHY
8
LOCAL BUSINESS ASSISTANCE
R 5
eynolds Welding &
Tips for
Fabrication has grown
steadily, building a loyal
customer base, since
Jerado Reynolds founded
the company in 2005. Success
COURTESY OF SHANA SURECK PHOTOGRAPHY
“At first the company was just Jerado,”
recalls his wife and co-owner, Joyce
Find a great business mentor.
Reynolds. “Then it was him and me part To find your local SBA office and
time.” During the day she worked as a resource partners in your area, visit
nurse and spent her evenings doing all sba.gov/localresources.
the company’s paperwork. The Reynolds
sank everything they earned into the
business—money, time, and energy. She Have a healthy view
remembers with pride helping Jerado
of competition.
weld a stair railing at a local school. Her
We’re not always competing.
son later attended that same school,
We’re a competitor, but if a similar
and she watched her child and others business has extra work, they’ll send
SBA Resource Partner, where “from day
using the rail, benefiting from the it to us and vice versa. That’s the
one it was, Eureka! Everyone wanted
hard work the couple did together. It relationship to have.
to see us win.” Women entrepreneurs
was then Joyce decided as much as she
receive essential business counseling and
loved her day job, she wanted to devote
training from this national network of
herself full time to the family business Record everything you do.
community-based centers. Most helpful
in Windsor, Connecticut. She wanted Navigating business relationships
was the detailed personal attention
to work side-by-side with her husband, in this age means keeping an email
available through free one-on-one
fully focused on administration and record of everything you do. Leave a
business counseling. Joyce also learned
business growth. As they both hoped, clear paper trail.
about workshops offered by providers like
word of mouth spread; clients made
the Metropolitan District, a Connecticut
referrals. Joyce was soon overwhelmed
nonprofit municipal corporation offering
with paperwork. They brought on two
water and sewer services. At a meet- Sacrifice to ensure quality.
employees—doubling up in the busy We don’t cut corners. Sometimes you
and-greet, Joyce understood how much
seasons. They were able to maintain four have to lose money to do quality work—
the SBA could help her business. An
full-time employees by 2009. After this, it’s rough, but nothing is more important.
SBA professional walked Joyce through
Joyce says, they saw that “things were
the extensive paperwork and, crucially,
not moving.” She wanted to scale up.
helped her register the company in
the System for Award Management
Seek SBA assistance to
Challenge
The company wasn’t growing in part (sam.gov), positioning the company for see if you qualify for
because it wasn’t certified with the new federal contracts. business certifications.
state department of transportation or “Resources like the Entrepreneurial We used to look for jobs. Now that
prequalified with the Connecticut State Center and the SBA will train you from we’re on the SBA Subcontracting
Department of Administrative Services, bottom to top,” Joyce says. “They have Network database, SubNet, and
Joyce says. She decided to tackle the finance classes that open your eyes sam.gov, we have a continuous flow
regarding taxes. You'll learn how to of contractors reaching out to us.
certification problem full time, leaving
her nursing career. This was the change register your business. They’ll help
she'd been wanting to make, but since with a contract or your website or on two bridges—a lifelong dream. Joyce
her background was in health care, accountability statements. Everything!” continues to move forward, getting
Joyce didn’t feel fluent in the languages Before the SBA, Reynolds Welding Reynolds qualified for the SBA 8(a)
of construction or business. Joyce attempted the DOT certification on five Business Development Program, which
wanted to learn, and she had incentive: separate occasions, always falling short provides free business development
they needed the certifications to bid because the process was so complicated. education to small businesses so they
on bigger jobs. “Never be afraid to ask Joyce secured the certification with SBA can better compete in the public sector.
questions,” she says. Joyce needed to guidance on the first attempt. “When I came on full time, I set a goal
find people with answers. for what I would like for the company,
Benefit and I’ve achieved 80% of that,” Joyce
Solution Reynolds Welding now employs more says. When she secures 8(a) certification
She and Jerado connected with the than 15 workers, constructing stairs, for Reynolds, she’ll have hit all her
University of Hartford Entrepreneurial rails, structural beams, and columns objectives. Then, she admits, she’ll
Center & Women’s Business Center, an throughout the region. Jerado is working probably come up with some new ones.
9
LOCAL BUSINESS ASSISTANCE
SBA Resource Partners
No matter your industry, location, or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA
Resource Partners offer mentoring, counseling, and training to help you startup and thrive at all stages of the business
life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA
cooperative agreements or grants.
SMALL BUSINESS DEVELOPMENT CENTERS
950+
Achieve your dream of business ownership and remain
competitive in an ever-changing global economy with assistance
from your local SBDC. Access free counseling and free or low-
cost training on topics like regulatory compliance, technology
Small Business development, and international trade. Find an SBDC adviser at
sba.gov/sbdc.
Development Centers
SCORE
300+
Join the ranks of other business owners who have experienced
higher revenues and increased growth thanks to SCORE, the nation’s
largest network of volunteer business mentors. Experienced
executives share real-world knowledge to fit your busy schedule.
SCORE chapters SCORE mentors are available for free as often as you need, in person,
via email or over video chat. Find a mentor at sba.gov/score.
WOMEN’S BUSINESS CENTERS
100+
Women entrepreneurs receive essential business counseling and
training from this national network of community-based centers.
Each center tailors its services to help you navigate the challenges
women often face when starting or growing a business. To learn
about SBA resources for women visit sba.gov/women.
Women’s Business
Centers
VETERANS BUSINESS OUTREACH CENTERS
20 +
Veteran and military entrepreneurs receive business training,
counseling, and referrals to other SBA Resource Partners at
a Veterans Business Outreach Center, sba.gov/vboc. Receive
procurement guidance to better compete for government
contracts. VBOCs also serve active duty service members,
Veterans Business National Guard or Reserve members, veterans of any era, and
Outreach Centers military spouses.
10LOCAL BUSINESS ASSISTANCE
Your To report how a proposed federal
regulation could unfairly affect you,
Advocates
find your regional SBA advocate at
sba.gov/advocacy.
To submit a comment about how
your business has been hurt by an
existing regulation, visit
The SBA’s offices of advocacy and ombudsman are sba.gov/ombudsman/comments
independent voices for small business within the
federal government.
Advocacy
When you need a voice within the federal »» when you need economic and small »» seek remedies when rules are
government for your interests as a small business statistics inconsistently applied
business owner, the SBA’s regional advocates The SBA’s Office of Advocacy also »» recover payment for services done by
are here to assist. The advocates analyze the independently represents small business and government contractors
effects of proposed regulations and consider advances its concerns before Congress, the
alternatives that minimize the economic White House, federal agencies, federal courts, Make your voice heard by participating in a
burden on small businesses, governmental and state policy makers. Regional Regulatory Enforcement Fairness
jurisdictions, and nonprofits. Find your Roundtable or a public hearing hosted by the
regional advocate at sba.gov/advocacy. Ombudsman SBA’s national ombudsman. These events
Entrepreneurs who have an issue with an are posted periodically on the ombudsman
Your advocate helps with these small
existing federal regulation or policy can website, sba.gov/ombudsman.
business issues:
receive assistance from the SBA’s national To submit a comment or complaint through
»» if your business could be negatively ombudsman. the online form, visit sba.gov/ombudsman/
affected by regulations proposed by the comments. Your concerns will be directed to
The ombudsman’s office helps you:
government the appropriate federal agency for review. The
»» if you have contracting issues with a »» resolve regulatory disputes with federal SBA will collaborate with you and the agency
agencies to help resolve the issue.
federal agency
»» reduce unfair penalties and fines
11LOCAL BUSINESS ASSISTANCE
Our Local SBA
Resource Partners
SBA’s Resource Partners are independent organizations funded through SBA cooperative
agreements or grants.
Heart of Wisconsin Chamber Madison #145
1120 Lincoln St. Serving Columbia, Crawford, Dane, Grant,
Wisconsin Rapids Green, Iowa, Lafayette, Richland, Rock,
(715) 423-1830 Sauk, and Vernon counties
MG&E Innovation Center
Federal Building 505 S. Rosa Road, suite 37
500 Barstow St., room B11 (608) 441-2820
Eau Claire madison.score@scorevolunteer.org
Office Manager Tiffany Misko
Fox Cities #382 Chapter Chair Mike George
Serving Calumet, Fond du Lac, Green madison.score.org
Lake, Marquette, Outagamie, Waupaca,
Meeting locations:
Waushara, and Winnebago counties
Arthur and Sandra Johnson, owners Dream Bank
120 Jackson St.
of 21 Short Stop in Georgia, received 1 N. Pinckney St.
assistance from their local Small Business Oshkosh
Madison
Development Center and SCORE chapter. (920) 303-2266
(608) 286-3150
score.foxcities@scorevolunteer.org
Chapter Chair Robert Molitor
SCORE
Visit sba.gov/score to start working on
Vice Chair Cheryl Muskus
foxcities.score.org
Evansville Area Chamber of Commerce
8 W. Main St.
Evansville
your business goals. Contact your local
office to schedule an appointment. Meeting locations: (608) 882-5131
Envision
District Director David Maaske Latino Chamber of Commerce
23 S. Main St.
david.maaske@scorevolunteer.org 2881 Commerce Park Drive, suite E
Fond Du Lac
Fitchburg
(920) 921-9500
West Central (608) 712-3522
Wisconsin #535 Green Bay #508 Oregon Chamber of Commerce
Serving Adams, Clark, Florence, Forest, Serving Brown, Door, Kewaunee, 117 Spring St.
Iron, Juneau, Langlade, Lincoln, Marathon, Manitowoc, Marinette, and Oconto counties (608) 835-3697
Menomonie, Portage, Price, Shawano, Advance Business & Manufacturing Center
Taylor, Vilas, Wood, Barron, Buffalo, Dunn, 2701 Larsen Road Sauk Prairie Area Chamber of Commerce
Chippewa, Eau Claire, Jackson, La Crosse, (920) 222-2167 109 Phillips Blvd.
Monroe, Pepin, Pierce, Polk, Rusk, St. Croix, greenbayscore@gmail.com Sauk City
and Trempealeau counties Chapter Chair Gary Lewins (608) 643-4168
Marshfield Area Chamber of Commerce greenbay.score.org
and Industry Beloit Chamber of Commerce
700 S. Central Ave.
Meeting locations: 635 Third St.
Marshfield Progress Lakeshore (608) 365-8835
(715) 384-3454 202 N. Eighth St.
Administrative Assistant Karen Olson Manitowoc Southeast Wisconsin #28
Chapter Chair Peter Bushman (920) 222-2167 Serving Dodge, Kenosha, Jefferson, Milwaukee,
centralwisconsin.score.org Racine, Ozaukee, Sheboygan, Walworth,
InVenture North Washington, and Waukesha counties
Meeting locations: Wisconsin Maritime Center of Excellence The 310W
Portage County Business Council Inc. 1320 Main St. 310 W. Wisconsin Ave., suite 585
5501 Vern Holmes Drive Marinette Milwaukee
Stevens Point (715)732-1050 (414) 297-3942
(715) 344-1940 Administrative Assistant Anita Knepel
score.28@scorevolunteer.org
12LOCAL BUSINESS ASSISTANCE
counseling.28@scorevolunteer.org UW-Eau Claire SBDC UW-River Falls SBDC
Chapter Chair Charyl Burke 7 S. Dewey St. St. Croix Valley Business Innovation Center
Vice Chair Craig Ranger (715) 836-5811 1091 Sutherland Ave.
sewisconsin.score.org Director Luke Kempen (715) 425-0620
(715) 836-5902 Director Danielle Campeau
Meeting locations: kempenls@uwec.edu (715) 222-1024
Gateway Technical College wisconsinsbdc.org/eauclaire danielle.campeau@uwrf.edu
iMET Center wisconsinsbdc.org/riverfalls
2320 Renaissance Blvd. UW-Green Bay SBDC
Sturtevant Advance Business & Manufacturing Center Southwest Region SBDC
Call (414) 297-3942 for an appointment 2701 Larsen Road Senior Business Consultant Brock
(920) 496-2117 Waterman
Gateway Technical College Director Tara Carr (608) 574-1757
Launch Box (920) 496-2112 brock.waterman@uwex.edu
101 Main St. carrt@uwgb.edu wisconsinsbdc.org/swwi
Racine wisconsinsbdc.org/greenbay
Call (414) 297-3942 for an appointment UW-Stevens Point SBDC
UW-La Crosse SBDC 032 Old Main Building
Hartford Area Chamber of Commerce 120 W. Carl Wimberly Hall 2100 Main St.
1246-A Sumner St. 1624 Farwell St. (715) 346-3838
Hartford (608) 785-8782 Director Melissa Meschke
Call (414) 297-3942 for an appointment, Director Anne Hlavacka (715) 346-2288
first and third Tuesdays of the month
(608) 785-8782 melissa.meschke@uwsp.edu
ahlavacka@uwlax.edu wisconsinsbdc.org/stevenspoint
Menomonee Falls Community Chamber
wisconsinsbdc.org/lacrosse
N91 W17271 Appleton Ave., suite 2 UW-Superior SBDC
Call (262) 251-2430 for an appointment UW-Madison SBDC Erlanson 108
975 University Ave., room 3260 (715) 394-8351
Oconomowoc Area Chamber
(608) 263-2221 Director Andy Donahue
of Commerce
Director Michelle Somes-Booher (715) 394-8352
175 E. Wisconsin Ave.
(608) 265-3051 adonahue@uwsuper.edu
Oconomowoc
michelle.somesbooher@wisc.edu wisconsinsbdc.org/superior
Call (414) 297-3942 for an appointment
wisconsinsbdc.org/madison
Waukesha County Center
Waukesha County Business Alliance UW-Milwaukee SBDC for Growth SBDC
2717 N. Grandview Blvd. #204 161 W. Wisconsin Ave., suite 6000 2717 N. Grandview Blvd., suite 300
Waukesha (414) 227-3240 Waukesha
Call 414-297-3942 for appointment Director Tim Peterson (262) 409-2622
(414) 227-3101 Business Consultant Lucy Waldhuetter
timp@uwm.edu (262) 278-5133
Small wisconsinsbdc.org/milwaukee lucy.waldhuetter@uwex.edu
wisconsinsbdc.org/waukesha
Business UW-Oshkosh SBDC
Sage Hall 1614 UW-Whitewater SBDC
Development 835 High St. 1200 Hyland Hall
806 W. Starin Road
Centers
(800) 232-8939
Director Colleen Merrill (262) 472-3217
(920) 424-1456 Director Kevin Kaufman
State Office SBDC (262) 472-1689
merrillc@uwosh.edu
432 N. Lake St., room 423 wisconsinsbdc.org/oshkosh kaufmank@uww.edu
Madison wisconsinsbdc.org/whitewater
(608) 263-7794 or (800) 940-7232 UW-Parkside SBDC
sbdc@uwex.edu Molinaro Hall D127
State Director Bon Wikenheiser 900 Wood Road
wisconsinsbdc.org Kenosha
(262) 595-3362
Center for Technology
Director Jim McPhaul
Commercialization
(262) 595-3363
Director of Client Services Dave Linz
mcphaul@uwp.edu
dave.linz@uwex.edu
wisconsinsbdc.org/parkside
(414) 227-3106
wisconsinctc.org
13LOCAL BUSINESS ASSISTANCE
Veterans
Business
Outreach
Center
Veteran entrepreneurs or small business
owners can receive business training,
counseling and mentoring, and referrals
to other SBA Resource Partners at a
Veterans Business Outreach Center,
sba.gov/vboc. This is also the place to
receive procurement guidance, which
can help your business better compete
for government contracts.
Wisconsin Women’s Business
Initiative Corp.
1533 RiverCenter Drive
Milwaukee
O'Connor Belting, a Delaware
family-owned business,
(414) 395-4555
expanded with the help of an Director Ana Simpson
SBA-guaranteed 7(a) loan. wwbic.com/veterans
Women’s Business Centers
For your nearest Women’s Business Center, visit sba.gov/women.
Entrepreneur Fund’s Women WI Women’s Business Initiative Corp.
Business Alliance 1533 River Center Drive
Serving Douglas County Milwaukee
202 W. Superior St. #311 (414) 263-5450
Duluth info@wwbic.com
(218) 623-5747 wwbic.com
entrepreneurfund.org WWBIC Madison
Western Wisconsin Women’s 2300 S. Park St., suite 103
Business Center (608) 257-5450
418 Wisconsin Ave. Fax (608) 257-5454
Eau Claire Project Director Andrea Hughes
Director of Jobs & Business Development WWBIC Kenosha/Racine
Karman Briggs 600 52nd St., suite 130
(715) 836-7511 x1174 Kenosha
kbriggs@wdeoc.org (262) 925-2850
23122 Whitehall Road Fax (262) 925-2855
Independence 245 Main St., suite 102
(715) 985-2391 x1211 or (800) 782-1063 x1211 Racine
successfulbusiness.org (262) 898-5000
westerndairyland.org Project Director Southeast Heather Lux
womensbusinessconference.com
WWBIC Appleton/Northeast
1195 N. Casaloma Drive, suite 2
Appleton
(920) 944-2700
Project Director Alyse Rust
14LOCAL BUSINESS ASSISTANCE
COURTESY OF THE SBA
Adriana Medina, owner of
Fuerte Fitness, in Seattle, WA,
received counseling from a
SCORE mentor and a Women's
Business Center adviser.
How to Start a Business
in Wisconsin
Thinking of starting a business? Here are the nuts & bolts.
The Startup Logistics including consumer spending, and a »» Department of Workforce Development
summary of existing businesses, available dwd.wisconsin.gov
Even if you’re running a home-based
as a map and a report.
business, you will have to comply with
Name Registration
many local, state, and federal regulations.
Do not ignore regulatory details. You may
Business License & Zoning Register your business name with the
Licenses are typically administered by a county clerk where your business is
avoid some red tape in the beginning, but
variety of state and local departments. It is located. If you’re a corporation, also
your lack of compliance could become an
important to consider zoning regulations register with the state.
obstacle as your business grows. Taking the
when choosing a site for your business. wisconsin.gov/pages/business.aspx
time to research regulations is as important
Contact the local business license office
as knowing your market. Carefully
where you plan to locate your business. Taxes
investigate the laws affecting your industry.
You may not be permitted to conduct As a business owner, you should know
Being out of compliance could leave you
business out of your home or engage in your federal tax responsibilities and make
unprotected legally, lead to expensive
industrial activity in a retail district. some business decisions to comply with
penalties, and jeopardize your business. certain tax requirements. The IRS Small
»» Wisconsin Department of Safety & Business and Self- Employed Tax Center,
Market Research Professional Services
go.usa.gov/xPxYR, offers information on
Need to do research on your clients and dsps.wi.gov/Pages/Professions/
a variety of topics including: obtaining an
location? View consumer and business Default.aspx
Employer Identification Number, paying
data for your area using the Census »» Wisconsin Franchise Information and filing income tax, virtual workshops,
Business Builder: Small Business Edition, and Filing forms, and publications.
https://cbb.census.gov/sbe. Filter your wdfi.org/fi/securities/franchise/ As the IRS continues to implement some
search by business type and location to default.htm
of the Tax Cuts and Jobs Act provisions, your
view data on your potential customers,
15LOCAL BUSINESS ASSISTANCE
tax obligations may change. Visit the Tax through uscis.gov/i-9-central. For forms including self-employed workers, to
Reform Provisions that Affect Businesses call (800) 870-3676. For the employer band together by geography or industry
page on irs.gov for the latest tax reform hotline call (888) 464-4218 or email to obtain healthcare coverage as if
updates that affect your bottom line. I-9central@dhs.gov. they were a single large employer. For
»» IRS Tax Assistance Centers E-Verify, operated by the Department information, visit dol.gov/general/topic/
Call (844) 545-5640 for an appointment of Homeland Security in partnership association-health-plans.
with the Social Security Administration,
Appleton »» Wisconsin Office of the
1901B E. Capitol Drive electronically verifies the Social Security Insurance Commissioner
(920) 996-4860 number and employment eligibility oci.wi.gov
information reported on Form I-9. It’s the
LaCrosse quickest way for employers to determine »» Wisconsin Unemployment
425 State St. dwd.wisconsin.gov/ui
the employment eligibility of new hires.
(608) 785-0246 Visit e-verify.gov, call (888) 464-4218 or »» Wisconsin Workers Compensation
Madison email e-verify@dhs.gov. dwd.wisconsin.gov/wc
1242 Fourier Drive, suite 200
(608) 421-7898 Health & Safety Environmental
Milwaukee
All businesses with employees are Regulations
required to comply with state and federal State assistance is available for small
211 W. Wisconsin Ave.
regulations regarding the protection of businesses that must comply with
(414) 231-2100
employees, visit dol.gov for information. environmental regulations under the Clean
Wausau Virtual Assistance The Occupational Safety and Health Air Act. State Small Business Environmental
(844) 545-5640 Administration provides information on Assistance programs provide free and
IRS Taxpayer Advocate Service the specific health and safety standards confidential assistance to help small
Milwaukee (414) 231-2390 used by the U.S. Department of Labor. business owners understand and comply
Elsewhere (877) 777-4778 Call (800) 321-6742 or visit osha.gov. with complex environmental regulations
»» Wisconsin OSHA Health and permitting requirements. These state
»» State Taxes
Consultation Program programs can help businesses reduce
Department of Revenue Business Area
revenue.wi.gov/pages/businesses/ UW State Laboratory of Hygiene emissions at the source, often reducing
home.aspx Environmental Laboratories regulatory burden and saving you money.
2601 Agriculture Drive, Madison To learn more about these free services visit
Wisconsin Sales and Use Tax Permits
(800) 947-0553 or (608) 226-5240 nationalsbeap.org/states/list.
revenue.wi.gov/salesanduse/
index.html slh.wisc.edu/occupational/wiscon »» The Wisconsin Department of
There are four regional OSHA offices Natural Resources/Office of
Social Security in Wisconsin Business Support and Sustainability
If you have any employees, including Appleton area helps businesses and communities
officers of a corporation but not the 1648 Tri Park Way develop innovative, flexible programs
sole proprietor or partners, you must (920) 734-4521 that exceed current standards for
make periodic payments, and/or file preventing pollution and minimizing
Eau Claire area
quarterly reports about payroll taxes waste.
1310 W. Clairemont Ave.
and other mandatory deductions. dnr.wi.gov/business
(715) 832-9019
You can contact the IRS or the Social
Security Administration for information, Madison area Accessibility and
assistance, and forms, at (800) 772-1213 4802 E. Broadway ADA Compliance
or visit socialsecurity.gov/employer. (608) 441-5388 For assistance with the Americans with
You can file W-2s online or verify job Milwaukee area Disabilities Act, call the ADA Center
seekers through the Social Security 310 W. Wisconsin Ave. at (800) 949-4232 or the Department
Number Verification Service. (414) 297-3315 of Justice at (800) 514-0301. Direct
questions about accessible design and
Employment Eligibility Employee Insurance the ADA standards to the U.S. Access
Verification Check with your state laws to see if you Board at (800) 872-2253, TTY (800)
The Federal Immigration Reform and are required to provide unemployment or 993-2822, ta@access-board.gov or visit
Control Act of 1986 requires employers workers’ compensation insurance for your access-board.gov.
to verify employment eligibility of employees. For health insurance options, call
new employees. The law obligates the Small Business Health Options Program Child Support
an employer to process Employment at (800) 706-7893 or visit healthcare.gov/ Employers are essential to the success
Eligibility Verification Form I-9. The U.S. small-businesses/employers. of the child support program and are
Citizenship and Immigration Service Department of Labor Association responsible for collecting 75 percent of
offers information and assistance Health Plans allow small businesses, support nationwide through payroll
16LOCAL BUSINESS ASSISTANCE
deductions. The Office of Child Support goods/services of one seller or provider Hmong Chamber
Enforcement at Health and Human Services from those of others and to indicate the (414) 645-8828
offers employers step-by-step instructions source of the goods/services. Trademarks hmongchamber.org
for processing income withholding and service marks may be registered Wisconsin LGBT Chamber
orders for child support. Download the at both the state and federal level. The (414) 678-9275
fact sheet about the Employer’s Role U.S. Patent and Trademark Office only wislgbtchamber.com
in the Child Support Program at the registers federal trademarks and service
Wisconsin Veterans
Office of Child Support Enforcement’s marks. Federally registered trademarks
(920) 288-2646
website at acf.hhs.gov/programs/css > may conflict with and supersede those
wiveteranschamber.org
employer responsibilities. You can also registered only at the state level. Visit
find information about other employer uspto.gov/trademarks.
Economic Development
responsibilities and tools that can make Copyrights protect original works of
meeting those responsibilities easier, such authorship including literary, dramatic, Wisconsin Economic Development Corp.
as electronic income withholding orders and musical and artistic, and certain other inwisconsin.com
wedc.org
the Child Support Portal. Send questions to intellectual works. Copyrights do not protect
employerservices@acf.hhs.gov. facts, ideas, and systems, although they may Wisconsin Housing and Economic
protect the way they are expressed. Development Agency
Intellectual Property For general information contact: wheda.com
Patents, trademarks, and copyrights are
»» U.S. Copyright Office
types of intellectual property that serve Export Assistance
U.S. Library of Congress
to protect creations and innovations. District International
James Madison Memorial Building
The United States Patent and Trademark Trade Officer
101 Independence Ave. Southeast
Office is the federal agency that grants Ellie Berg
Washington, DC
U.S. patents and registers trademarks. (414) 297-1488
(202) 707-3000 or
For information and resources about elvira.berg@sba.gov
toll free (877) 476-0778
U.S. patents and federally registered
copyright.gov U.S. Commercial Service
trademarks consult uspto.gov. Call the
patent and trademark office help center 10437 Innovation Drive
Chambers of Commerce Suite 305
at (800) 786-9199 or visit the Elijah J. Visit officialusa.com to find your closest Wauwatosa
McCoy Midwest Regional Office in Detroit, Wisconsin chamber. (414) 217-8333
Michigan, uspto.gov/detroit.
A patent for an invention is the grant of African American Chamber Director Koreen Grube
a property right to an inventor, issued by (414) 462-9450 koreen.grube@trade.gov
aaccwisconsin.org trade.gov
the U.S. patent office. The right conferred
by the patent grant is the right to exclude Milwaukee Urban League Wisconsin Economic Development Corp.
others from making, using, offering for sale, (414) 374-5850 VP International Business Development
or selling the invention in the United States tmul.org Katy Sinnott
or importing the invention into the country. (608)210-6838
Urban League of Greater Madison
For information visit uspto.gov/inventors. International Business Director
(608) 729-1200
There are three types of patents: ulgm.org Mark Rhoda-Reis
• Utility patents may be granted to Foreign Direct Investment
American Indian Chamber (608) 210-6757
anyone who invents or discovers any
(414) 604-2044 Market Development Director
new and useful process, machine,
www.aiccw-facc.org
manufacture, or composition of matter, Stanley Pfrang
or any new and useful improvement. Wisconsin Chinese Chamber Europe, Middle East, Africa
• Design patents may be granted to (414) 409-6288 x103 (608) 210-6777
anyone who invents a new, original, wisccc.org Market Development Director
and ornamental design for an article Latino Chamber, Southeast WI Brad Schneider
of manufacture. (414) 699-5723 Americas & Australia, New Zealand
• Plant patents may be granted to latinochambersew.org (608) 210-6890
anyone who invents or discovers and (608) 210-6734
Latino Entrepreneurial Network,
asexually reproduces any distinct and wedc.org
Southeast WI
new variety of plant, other than a tuber Wisconsin International
(414) 383-4633
propagated plant or a plant found in an Agribusiness Center
lenwi.org
uncultivated state. (800) 462-5237
A trademark or service mark includes Latino Chamber, Dane County
international@wisconsin.gov
any word, name, symbol, device, or (608) 712-3522 datcp.wi.gov/pages/growing_wi/
any combination, used or intended to lccmadison.org
be used to identify and distinguish the
17LOCAL BUSINESS ASSISTANCE
Entrepreneurial
Opportunities
Regional Innovation Clusters
Create jobs and grow the economy through an SBA Regional
Innovation Cluster. Online Resources
Find free short courses and learning
Who should join
Small businesses driving innovation in one of these tech industries: tools to start and grow your small
• advanced composites business at sba.gov/learning. The
free SBA Online Learning Center is a
• agTech
great resource for every entrepreneur,
• bioscience
especially rural business owners looking
• food processing
for easy access to vital business training.
• data sciences
• medical sciences Courses include:
• power and energy • writing your business plan
• unmanned aerial systems • buying a business
• water tech • financing options
• wood products • digital and traditional marketing to win customers
• disaster recovery
How it works
• understanding your customer
Each industry cluster is based in a geographic region. Your small
business must be located in or near that region in order to join the
cluster. For example, the AgLaunch Initiative cluster, which focuses
on agricultural technology, is located in the Tennessee area. A
small agTech business in or near Tennessee will connect with
other agTech suppliers, service providers, and related institutions
through that innovation cluster.
Native American
Workshops
How it benefits you
Network with other industry innovators and connect with
resources that will help your small business find funding. You’ll
Tribal enterprises and business organizations
also receive guidance on how to better compete for government
contracts and other opportunities so you can grow and expand. can receive training at an SBA Entrepreneurial
Receive free technical and legal assistance to develop your tech Empowerment Workshop. These workshops
and get it to market for government and industry buyers. cover business concepts important for starting,
Get involved growing, or expanding a small business. RedWind
Find an SBA Regional Innovation Cluster near you by visiting instructors identify and help participants avoid
sba.gov/localassistance. Select the regional innovation clusters common pitfalls. Learn how to prepare a business
on the drop-down menu.
plan, gain access to capital, and basic book
keeping. Request a workshop in your area by
visiting nativesmallbusiness.org.
18LOCAL BUSINESS ASSISTANCE
Need financing?
Loan Fee Relief
To encourage lending to members of the
military community who want to start
or grow their business, the SBA reduces
upfront guarantee fees on select loans. That
means the cost savings will be passed down
to you, the eligible veteran or qualifying
COURTESY OF LIFEHEALTH
military member. Ask your local SBA district
office or SBA Lender about the Veterans
Advantage program.
Have an employee who was called to
active duty?
You may receive funds that enable your
business to meet ordinary and necessary
HOW THE SBA HELPED US SUCCEED operating expenses when an essential
Margot Adam Langstaff, left, and Elisa Hamill, right, sought assistance from their employee is called up to active duty in the
local Veterans Business Outreach Center, which helped them better compete for military reserve. Ask your local SBA district
government contracts. LifeHealth of Littleton, CO has expanded to more than 30 office or SBA Lender about the Military
states with offices in Washington, DC and San Antonio, TX. Their clients include the Reservist Economic Injury Disaster Loan.
Department of Defense, the National Guard, and the Indian Health Service. They
also expanded their business using an SBA-backed line of credit for $350,000. Margot Interested in contracting?
started her career as an Army medic, eventually running one of the largest outpatient Veteran-owned and service-disabled
clinics in the Northeast at Ft. Devens, MA. veteran-owned small businesses interested
in federal contracting receive training from
Opportunities
the Veteran Institute for Procurement,
which offers a platform with three
training programs to assist veterans. Visit
for Veterans nationalvip.org.
VIP Start
Members of the military community can start and grow their small Enter the federal market and become ready
for procurement. Nearly 200 veteran-owned
businesses with the help of SBA programs.
businesses from 29 states plus Washington,
Need entrepreneurship training? For women veterans DC have graduated from the program.
In Boots to Business, you explore Receive entrepreneurial training geared VIP Grow
business ownership and other self- toward women veterans, service members, Strategize to expand and operate within
employment opportunities while learning and spouses of service members through the federal marketplace. More than 700
key business concepts. You will walk away these SBA-funded programs: veteran-owned businesses from 42 states
with an overview of entrepreneurship plus DC and Guam have graduated from
»» Veteran Women Igniting the Spirit of
and applicable business ownership this program.
Entrepreneurship in Syracuse, New York
fundamentals, including how to access
»» LiftFund in San Antonio, Texas VIP International
startup capital using SBA resources.
Enter or expand your federal and commercial
Boots to Business is conducted on all
For service-disabled veterans contracting opportunities overseas.
military installations as part of the
Learn how to start and grow a small business
Department of Defense’s Transition Get certified
using these SBA-funded programs:
Assistance Program. Learn about the service-disabled veteran-
»» Entrepreneurship Bootcamp for Veterans owned small business certification program
Who’s eligible? with Disabilities in Syracuse, New York on page 49.
Service members transitioning out of
»» Veterans Entrepreneurship Program at For more assistance
active duty and military spouses.
the Riata Center for Entrepreneurship,
Are you a veteran or member of Veteran and military entrepreneurs
Spears School of Business, Oklahoma
the National Guard or Reserve or a receive business training, counseling, and
State University in Stillwater, Oklahoma
military spouse? Boots to Business: referrals to other SBA Resource Partners
Reboot teaches this entrepreneurship »» Veteran Entrepreneurship Jumpstart at at a Veterans Business Outreach Center,
curriculum off base and in local St. Joseph’s University in Philadelphia, sba.gov/vboc. For veterans business
communities. Register for either B2B Pennsylvania information visit sba.gov/veterans.
program at https://sbavets.force.com. »» Dog Tag Inc., affiliated with Georgetown
University in Washington, DC
19local success story
Stacy Tuschl
PRESIDENT, AC ADEMY OF PERFORMING ARTS
Oak Creek and Frank lin, W I
After volunteering for years • What challenge did you have? Managing growth and keeping up with demand have
as a dance coach, teaching been the challenge, though a welcome one. After we rebuilt our studio, it started attract-
children and teens in her ing students from the western suburbs of Milwaukee. I saw an opportunity to open
parents’ backyard, Stacy another location, but I needed $1 million in capital to do it. Lenders are often hesitant
Tuschl successfully launched to take a risk on young entrepreneurs invested in the creative fields—particularly right
her own dance studio in Oak after the Great Recession. It was a hard decision to make—incredibly nerve wracking.
Creek at the age of 21. When
she decided to expand with • What was the SBA solution? My small business secured an SBA-backed 7(a) loan from
affordable business financing, US Bank. I was able to qualify for the amount I needed to open the Franklin studio
Stacy turned to the SBA. because of the SBA guarantee. The SBA guarantees loans made by lending institutions
Stacy started providing
to small business that would not otherwise be able to obtain financing. US Bank worked
music lessons in response
with me to secure a low interest rate and terms that worked best for my business. It was
to client demand. She
a big step to take out a $1 million loan, but the risk brought more growth. Our client base
positioned her small business
for success even during the
has only grown with children and teens looking to have fun, express their creativity, and
Great Recession. Stacy built a stay healthy with physical activity and a musical education. In 2018, we used the SBA
custom dance and performing 7(a) funding program again to expand and update the Oak Creek studio.
arts facility in Oak Creek to
replace the space she was fast • What benefit did this have for you? Now a seven-figure business, the Academy of
outgrowing. She opened her Performing Arts is a small business success story. We have two modern studios that can
second location in Franklin accommodate over 1,000 students—our weekly rosters. I employ 50 dance and music
in 2013 and expanded her Oak instructors. We’re continuing to grow and flourish thanks to the SBA.
Creek studio in 2018 thanks to
SBA-backed financing.
20COURTESY OF ACADEMY OF PERFORMING ARTS
I was able to qualify for the
amount I needed to open
the Franklin studio because
of the SBA guarantee.”
Stacy Tuschl
President, Academy of Preforming Arts
21FUNDING PROGRAMS
Financing Your Small Business
How We Did It
Crafting a
Business
SBA-backed financing helped Superstition Meadery expand
into a multimillion dollar enterprise.
written by Becky Bosshart
COURTESY OF SUPERSTITION MEADERY
22FUNDING PROGRAMS
J
ennifer and Jeff Herbert’s Solution
home-based brewing has Thanks to guidance from an SBA
expanded into a global, Resource Partner, the Small Business
multimillion dollar Development Center at Yavapai
enterprise thanks to SBA Community College, Jennifer and Jeff
assistance. Using Arizona honey and learned about financing that worked
5
ingredients they’ve sourced from for them. The SBA guarantees loans
around the world (such as Tahitian made by lending institutions to small
Tips for
vanilla and Moroccan saffron), the business that would not otherwise be
Herberts are selling nearly 30,000 able to obtain financing. Their small
Success
gallons annually of their honey-based business qualified for two SBA-backed
fermented beverage. They operate a loans totaling more than $600,000. The
downtown Prescott, Arizona tasting Herberts’ first SBA-backed loan allowed
room and state-of-the-art production them to acquire commercial property to
facility, creating jobs and building design and build their mead production Get guidance.
a local craft industry. The Herberts, facility. Their second SBA-backed loan Develop a working relationship with
founding members of the American provided the funding for professional an SBA Resource Partner (see page 8)
Mead Makers Association, have brewing equipment to complete their to help you find the funding that works
traveled around the world hosting 7,450-square-foot production space. The best for you.
pairing events and pouring at craft Herberts recently purchased a historic
beverage festivals. building in downtown Phoenix, Arizona
to open a mead-pairing restaurant. Define your lending needs.
Challenge
Determine if a loan is right for you. Is
The Herberts wanted to scale up their Benefit
this the right time? How much do you
meadery while also staying true to The Herberts started with two
need? What are you going to use it for?
their values of quality ingredients and employees and now have over 20
craft process. It is often difficult for producing 29,000 gallons this year.
new entrepreneurs or unique concepts From a homegrown setup, Jennifer and
Talk to multiple lenders.
like a meadery to get traditional Jeff are now charting revenue in excess
See who best matches you and your
financing, even though they knew of $2.6 million and distributing to 37
business. Has the lender successfully
they had a great idea, the backing states, across Europe and Southeast
worked with other businesses in
wasn’t there to expand. They say that Asia. They have plans for another your industry?
choosing to do something new breaks expansion, including a shipping
the mold, which can be uncomfortable warehouse to manage their online retail
for traditional lenders. and wholesale orders.
Check all options.
Consult with your lender to see if
you’re eligible for SBA financing
programs, determined by your
industry & experience; collateral;
credit score; and the relationship &
transparency you develop with the
lending agent.
Be ready for the ups
and downs.
Your entrepreneurial endeavor will
be a roller coaster ride filled with
challenges and successes. The path
is all consuming so make sure that
COURTESY OF SUPERSTITION MEADERY
you love what you do. Passion is the
price of admission.
Jeff & Jennifer Herbert, owners of Superstition Meadery, completed their 7,450-square-
foot production space and opened a tasting room in Prescott, AZ with the assistance of
SBA-backed financing. See their story on YouTube by searching for the 2019 National
Small Business Persons of the Year.
23FUNDING PROGRAMS
Lender SBA-backed Loans
Match help small business owners and entrepreneurs who are
creditworthy but don’t qualify for conventional financing.
Find a lender interested
If you cannot obtain a business loan with reasonable rates
in working with you at
sba.gov/lendermatch. and terms, contact your local SBA Lender to see if you are
This matching tool eligible for SBA programs. The SBA works with participating
connects entrepreneurs lenders to reduce their risk, increasing the likelihood your
with SBA Lenders in
loan will be approved with the terms that work best for
your area.
you. The guarantee is conditional on the lender following
SBA program requirements. Just like with any other loan,
you make your loan payments directly to your lender in
accordance with your terms.
24FUNDING PROGRAMS
Need
Financing?
Visit your local SBA office or lender to learn about
these funding options.
The 7(a) Loan, the SBA’s Largest
Financing Program
If you cannot get conventional financing and you meet the
eligibility requirements, you can use a 7(a) loan to buy real estate,
equipment, or inventory for your small business. It may also be
used for working capital, to refinance business debt or purchase a
small business.
MAX LOAN AMOUNT: $5 million
INTEREST RATE: generally prime + a reasonable rate capped at 2.75%
TERMS: loan term varies according to the purpose of the loan,
generally up to 25 years for real estate, 10 years for other fixed
assets and working capital
GUARANTEE: 50 to 90%
CAPLines Microloans
Meet your revolving capital needs with lines of credit. CAPLines can Eligible businesses can startup and grow with working
be used for contract financing, seasonal lines of credit, builders line capital or funds for supplies, equipment, furniture and fixtures.
of credit, or for general working capital lines. Borrow from $500 to $50,000 and access free business counseling
from microlenders.
SBA Express Loan INTEREST RATE: loans less than $10,000, lender cost + 8.5%; loans
Featuring a simplified process, these loans are delivered by $10,000 and greater, lender cost + 7.75%
experienced lenders who are authorized to make the credit decision
for the SBA. These can be term loans or revolving lines of credit. TERMS: lender negotiated, no early payoff penalty
MAX LOAN AMOUNT: $350,000
504 Certified Development Company Loan
INTEREST RATE: for loans less than $50,000, prime + 6.5%; for If you do not qualify for traditional financing, but would like to
loans of $50,000 and greater, prime + 4.75% purchase or renovate real estate or buy heavy equipment for
TERMS: loan term varies according to the purpose of the loan, your business, ask about the 504 loan. It provides competitive
generally up to 25 years for real estate and 10 years for other fixed fixed-rate mortgage financing through a lender and a Certified
assets and working capital Development Company.
GUARANTEE: 50% MAX LOAN AMOUNT (UP TO 40% OF THE TOTAL PROJECT):
up to $5 million; $5.5 million for manufacturing or energy public
Community Advantage policy projects
A financing program for women, veterans, low-income borrowers, and INTEREST RATE: below market fixed rates for 10, 20 or 25 year terms
minority entrepreneurs just starting up or in business for a few years.
TERMS: 20 or 25 years for real estate or long-term equipment,
Receive free business counseling as you work with a community-based
10 years for general machinery and equipment
financial institution.
GUARANTEE: the lender provides a senior loan for 50% of the
INTEREST RATE: prime + 6%
project cost (with no SBA guarantee); the CDC finances up to 40% in
TERMS: up to 25 years for real estate, 10 years for equipment and a junior lien position (supported by the SBA guarantee)
working capital
SPECIAL CONDITION: a minimum borrower contribution, or down
GUARANTEE: 75 to 90% payment, is required, amounts vary by project but are usually 10%
25FUNDING PROGRAMS
SBA Lenders
Our participating SBA Lenders serve all of Wisconsin unless otherwise noted.
ABBOTSFORD Fox Communities Credit Union BALDWIN Fortifi Bank
Abbybank Jason Behling First Bank of Baldwin Dave Mills
Adam Rekau (920) 933-3789 Shane Bauer (608) 286-3903
(715) 298-4168 Don Vanevenhoven (715) 684-3366 or Kale Unangst
(920) 993-3733 (800) 499-4362 fortifibank.com
Garrett Kornman
(715) 298-4179 Chris Cumicek John Larson
abbybank.com firstbankbaldwin.com
(920) 884-7173 BOSCOBEL
foxcu.org Community First Bank
ALMA BARABOO Ryan Boebel
Prospera Credit Union
Bank of Alma Baraboo State Bank (608) 448-4665
John Schemm
Lynn Reinhard David Taylor cfbank.com
(920) 882-4800
(608) 685-4461 myprospera.com (608) 356-7703
bankofalma.net
Scott Jenkins BRODHEAD
Thrivent Federal
baraboonational.com Bank of Brodhead
ALTOONA Credit Union
Heidi Giuliani Michael Olson
Citizens Community Federal
(612) 844-8048 or BEAVER DAM (608) 897-2121
Greg Dahl
(612) 844-8512 American Bank bankofbrodhead.com
(715) 835-6846
thrivent.com Mark Holsapple
Justin Harings
(920) 356-6989 BROOKFIELD
(715) 839-4672
anbnet.com BMO Harris Bank
ARCADIA
Eric P. Rogness
State Bank of Arcadia Christine Kornburger (262)
(715) 597-3139 x12804
Paul Lorenz BELOIT 938-2630
ccf.us
(715) 538-4358 Blackhawk Bank bmoharris.com/us
Kurt Johnston Phil Whitehead
ANTIGO Byline Bank
(608) 323-3331 (608) 713-1997
Covantage Credit Union Eric Manke
Rhonda Norrbom Bruce A. Salzman Jack Walden (262) 860-2090
(715) 623-1343 (800) 869-8021 (608) 299-3471 bylinebank.com/business-
covantagecu.org rkdbank.com blackhawkbank.com banking
First National Bank & Trust Co. Old National Bank
APPLETON ASHLAND Aaron Bussan Paul Sackmann
American National Bank Northern State Bank (608) 363-8000 (262) 317-4890
Fox Cities John Beirl bankatfirst oldnational.com
Paul Northway (715) 682-2772 national.com
(920) 739-1040 Park Bank
Stephanie Cech
Brett Schroeder nsbashland.com Tracy Meeks
BERLIN
(920) 739-1040 (262) 827-5117
Farmers &
anbfc.bank parkbankonline.com
AUGUSTA
Merchants Bank
Community First Credit Union Unity Bank Bob Thorsen Spring Bank
Cindy Schlichting Teresa Rosengarten (920) 361-1454 x2226 Glenn Michaelsen
(920) 830-7293 (877) 440-2223 Mark Klein (262) 754-5563
Kim Van Osdol unitybanking.com (920) 361-1454 x2250 Heather Nelson
communityfirstcu.org fmberlin.com
(262) 754-5569
springbankwi.com
26FUNDING PROGRAMS
Westbury Bank CUMBERLAND Westconsin Credit Union National Exchange
Joe Schaefer Cumberland Federal Bank Melissa Kraemer Bank & Trust
(262) 439-3338 Barry Ranallo (715) 386-2300 x7818 Wally DeVries
westburybankwi.com (715) 822-2249 Brice Medin (920) 906-6884
cumberland nebat.com
(715) 930-1675 x1681
federal.com
BURLINGTON Christopher Brooke
Fox River State Bank FORT ATKINSON
(715) 833-8305 x7367
(262) 767-8600 DEERFIELD westconsincu.org Badger Bank
foxriverstatebank.com Bank of Deerfield Mitch Weyer
Benjamin Mlsna (920)699-2905
(608) 764-5411 ELKHORN badgerbank.bank
CASHTON Advia Credit Union
Darren Winkler Premier Bank
Bank of Cashton Rachelle Poteracki (844) 238-
bankofdeerfield.com Ray Bucholtz
John Daniels 4228
(608) 654-5121 adviacu.org (262) 458-2939
bankofcashton.com DEFOREST bankwithpremier.com
Settlers Bank
David Fink ELROY GALESVILLE
CHILTON (608) 842-5000 Royal Bank Bluff View Bank
State Bank of Chilton Josh Esser
Ed Kinney (608) 842-5021 Damian Levandoski
Allan Schlorf (608) 623-2313
settlerswi.com (608) 582-2233
(920) 849-9371 royalbank-usa.com bluffviewbank.com
statebankofchilton.com
DENMARK
EVANSVILLE GRAFTON
Denmark State Bank
CLEVELAND Union Bank & Trust Co. Cornerstone Community Bank
Mark Hoefs
Cleveland State Bank Karl Allen (608) 490-2226 Dave Cwiklinski
(920) 469-4700
Brandon Boerner Julie Johnson (262) 437-7233
Ryan Johanek
(866) 321-9854 (608) 424-2317 Rick Novotny
clevelandstate.bank (920) 732-4551
denmarkstate.com Mary Stenbroten (262) 546-1131
(608) 527-5700 bankwith
COLLINS David Wyttenbach cornerstone.com
DURAND
Collins State Bank (608) 291-6115
Security Financial Bank
Terry Van Engen ub-t.com GREEN BAY
Scott Erickson
(920) 994-9434 Associated Bank
(715) 930-7024
collinsstatebank.com FITCHBURG Amy Tremel
Jennifer Jereczek (920) 727-8420
Oak Bank
securityfinancial associatedbank.com
CROSS PLAINS bank.com Business Lending Services
State Bank of Cross Plains (608) 441-6000 or Bay Bank
Scott Ducke (877) 625-2265 Christopher Coppens
EAU CLAIRE oakbankonline.com
(608) 798-5221 (920) 490-7600
Charter Bank
baybankgb.com
George Ohlendorf Dusty Hurtgen
FLORENCE
(608) 849-2707 (715) 850-2306 Nicolet National Bank
Great North Bank
Casey McClyman Danny Pohnl Eric Dejardine
Tom Wittkopf
(608) 416-4834 (715) 832-4254 (920) 617-5309
(715) 528-4844
sbcp.bank charterbank.bank Shelly Henry
greatnorthbank.com
(920) 617-8218
Royal Credit Union
nicoletbank.com
CUBA CITY Joe Fischer FOND DU LAC
American Bank & (715) 246-8036 Fox Valley Savings Bank
Trust Wisconsin GREENFIELD
Karlee Wallin Steve Walbur
Robert Stauffacher Pyramax Bank
(715) 552-3094 (920) 907-8685
(608) 348-4300 fvsbank.com Eric Hurd (414) 235-5894
Kristi Voller pyramaxbank.com
Roger Dammen
(952) 683-9765 Hometown Bank
(608) 744-2125 rcu.org Tim Beno (920) 360-9550
americanbankwi.com GRESHAM
Ben Thome
State Bank
(920) 907-6542
(715) 787-3201
htbwi.com
statebank.biz
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