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County11th of 71 in Wisconsin by approvalsFIPS 55035
SBA loans in Eau Claire County, Wisconsin
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Eau Claire County, Wisconsin, received 170 SBA loan approvals worth $120M in FY2021 to FY2025 (139 7(a), 31 504).
That is 61.8 approvals per 1,000 business establishments (2,753 establishments in 2023), above the Wisconsin figure of 46.3 and above the national 41.0.
It ranks 11th of 71 Wisconsin counties with approvals. In FY2025 there were 41, about level with FY2024.
32 lenders had approvals here; the most active were CCFBank National Association (51), WBD, Inc. (29) and U.S. Bank, National Association (21). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Eau Claire County
By number of approvals to businesses in the county, FY2021–FY2025; 32 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | CCFBank National AssociationAltoona, WI | 51 | $39.5M | 30.0% | |
| 2 | WBD, Inc.Madison, WI · CDC | 29 | $28.5M | 17.1% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 21 | $1.9M | 12.4% | |
| 4 | Hiawatha National BankHager City, WI | 12 | $3.5M | 7.1% | |
| 5 | Nicolet National BankGreen Bay, WI | 6 | $4.2M | 3.5% | |
| 6 | Old National BankEvansville, IN | 5 | $3.5M | 2.9% | |
| 7 | Citizens State Bank of La CrosseLa Crosse, WI | 5 | $599K | 2.9% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 4 | $5.9M | 2.4% | |
| 9 | Security Financial BankDurand, WI | 4 | $1.3M | 2.4% | |
| 10 | The Huntington National BankColumbus, OH | 3 | $2.8M | 1.8% | |
| 11 | Prevail BankMedford, WI | 3 | $1.3M | 1.8% | |
| 12 | Town Bank, National AssociationHartland, WI | 2 | — | 1.2% | |
| 13 | Associated Bank National AssociationGreen Bay, WI | 2 | — | 1.2% | |
| 14 | Frandsen Bank and TrustArden Hills, MN | 2 | — | 1.2% | |
| 15 | Community Resource BankNorthfield, MN | 2 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 7.1% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 6.5% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 11 | 6.5% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 7 | 4.1% | |
| 5 | Personal Care ServicesNAICS 8121 | 7 | 4.1% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 6 | 3.5% | |
| 7 | Traveler AccommodationNAICS 7211 | 5 | 2.9% | |
| 8 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 5 | 2.9% | |
| 9 | Architectural, Engineering, and Related ServicesNAICS 5413 | 5 | 2.9% | |
| 10 | Specialty Food StoresNAICS 4452 | 4 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 23 | 13.5% | |
| 2 | Accommodation and Food Services | 22 | 12.9% | |
| 3 | Health Care and Social Assistance | 17 | 10.0% | |
| 4 | Retail Trade | 17 | 10.0% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 16 | 9.4% | |
| 6 | Construction | 15 | 8.8% | |
| 7 | Professional, Scientific, and Technical Services | 13 | 7.6% | |
| 8 | Transportation and Warehousing | 11 | 6.5% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 17 | $7.6M | $239K | 5 | $8.3M | 22 | 202 |
| FY2025 | 36 | $23.4M | $208K | 5 | $9.3M | 41 | 446 |
| FY2024 | 31 | $14.6M | $210K | 10 | $10.1M | 41 | 410 |
| FY2023 | 23 | $13.4M | $100K | 4 | $2.1M | 27 | 186 |
| FY2022 | 26 | $14.0M | $183K | 7 | $5.2M | 33 | 432 |
| FY2021 | 23 | $20.4M | $565K | 5 | $7.3M | 28 | 238 |
| FY2020 | 18 | $5.1M | $185K | 5 | $6.5M | 23 | 102 |
| FY2019 | 14 | $2.3M | $133K | 6 | $7.0M | 20 | 162 |
| FY2018 | 17 | $2.3M | $80K | 3 | $889K | 20 | 160 |
| FY2017 | 25 | $7.0M | $82K | 7 | $4.8M | 32 | 408 |
| FY2016 | 26 | $9.3M | $150K | 2 | — | 28 | 193 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 123 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | Eau Claire County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 170 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 61.8 | 46.3 | 41.0 |
| Median 7(a) approval | $200K | $225K | $190K |
| Median 504 approval | $684K | $616K | $657K |
| Average approval | $705K | $594K | $573K |
| 504 share of approvals | 18.2% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 10.1 | 11.0 | 10.5 |
| Share of state approvals | 2.5% | 100.0% | — |
Approval sizes
- $50,000 or less18.8%32
- $50,001 to $150,00014.7%25
- $150,001 to $350,00020.6%35
- $350,001 to $1 million23.5%40
- $1 million to $2 million14.7%25
- Over $2 million7.6%13
Age of the businesses
- Existing, more than 2 years old46.5%79
- New business, 2 years or less22.9%39
- Startup, loan funds will open the business16.5%28
- Change of ownership14.1%24
Questions and answers
Which lenders make the most SBA loans in Eau Claire County?
By approvals in FY2021 to FY2025: CCFBank National Association (51), WBD, Inc. (29), U.S. Bank, National Association (21), Hiawatha National Bank (12), Nicolet National Bank (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Eau Claire County?
The median 7(a) approval was $200K and the median 504 approval $684K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in Eau Claire County?
Restaurants and Other Eating Places (12); Automotive Repair and Maintenance (11); Services to Buildings and Dwellings (11); Building Finishing Contractors (7); Personal Care Services (7).
Is SBA lending in Eau Claire County rising?
Approvals in the three latest complete fiscal years total 109, against 84 in the three before: rising (+30%).
How does Eau Claire County compare with the rest of Wisconsin?
61.8 approvals per 1,000 establishments against 46.3 statewide, and 170 of the state's 6,706 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error