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County18th of 71 in Wisconsin by approvalsFIPS 55039
SBA loans in Fond du Lac 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 Fond du Lac County, Wisconsin, received 94 SBA loan approvals worth $70.3M in FY2021 to FY2025 (78 7(a), 16 504).
That is 42.2 approvals per 1,000 business establishments (2,227 establishments in 2023), close to the Wisconsin figure of 46.3 and close to the national 41.0.
It ranks 18th of 71 Wisconsin counties with approvals. In FY2025 there were 12, up 20% on FY2024.
30 lenders had approvals here; the most active were Bank First, N.A. (27), WBD, Inc. (15) and National Exchange Bank and Trust (6). 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 Fond du Lac County
By number of approvals to businesses in the county, FY2021–FY2025; 30 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bank First, N.A.Manitowoc, WI | 27 | $15.8M | 28.7% | |
| 2 | WBD, Inc.Madison, WI · CDC | 15 | $19.0M | 16.0% | |
| 3 | National Exchange Bank and TrustFond du Lac, WI | 6 | $5.5M | 6.4% | |
| 4 | The Huntington National BankColumbus, OH | 4 | $1.1M | 4.3% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 4 | $116K | 4.3% | |
| 6 | Horicon BankHoricon, WI | 3 | $4.7M | 3.2% | |
| 7 | Nicolet National BankGreen Bay, WI | 3 | $2.7M | 3.2% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $80K | 3.2% | |
| 9 | Bank Five NineOconomowoc, WI | 2 | — | 2.1% | |
| 10 | TowneBankPortsmouth, VA | 2 | — | 2.1% | |
| 11 | Verve, a Credit UnionOshkosh, WI | 2 | — | 2.1% | |
| 12 | Wisconsin Women's Business Initiative CorporationMilwaukee, WI | 2 | — | 2.1% | |
| 13 | Fortifi BankBerlin, WI | 2 | — | 2.1% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 2.1% | |
| 15 | The Peshtigo National BankPeshtigo, WI | 2 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 9.6% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 6 | 6.4% | |
| 3 | Traveler AccommodationNAICS 7211 | 5 | 5.3% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 4.3% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 4.3% | |
| 6 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 3 | 3.2% | |
| 7 | Offices of DentistsNAICS 6212 | 3 | 3.2% | |
| 8 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 3 | 3.2% | |
| 9 | Nonresidential Building ConstructionNAICS 2362 | 3 | 3.2% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 17 | 18.1% | |
| 2 | Manufacturing | 13 | 13.8% | |
| 3 | Construction | 13 | 13.8% | |
| 4 | Retail Trade | 10 | 10.6% | |
| 5 | Health Care and Social Assistance | 9 | 9.6% | |
| 6 | Other Services (except Public Administration) | 9 | 9.6% | |
| 7 | Wholesale Trade | 5 | 5.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 5 | 5.3% |
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* | 6 | $2.2M | $200K | 3 | $2.7M | 9 | 75 |
| FY2025 | 9 | $7.2M | $500K | 3 | $1.4M | 12 | 139 |
| FY2024 | 8 | $1.8M | $150K | 2 | — | 10 | 66 |
| FY2023 | 17 | $11.3M | $284K | 2 | — | 19 | 270 |
| FY2022 | 14 | $13.1M | $406K | 6 | $6.2M | 20 | 438 |
| FY2021 | 30 | $16.5M | $233K | 3 | $4.7M | 33 | 486 |
| FY2020 | 17 | $6.6M | $264K | 4 | $7.2M | 21 | 318 |
| FY2019 | 14 | $5.0M | $190K | 2 | — | 16 | 210 |
| FY2018 | 25 | $16.0M | $300K | 2 | — | 27 | 399 |
| FY2017 | 16 | $5.8M | $240K | 3 | $2.1M | 19 | 293 |
| FY2016 | 16 | $6.1M | $150K | 2 | — | 18 | 145 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 101 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | Fond du Lac County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 94 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 42.2 | 46.3 | 41.0 |
| Median 7(a) approval | $243K | $225K | $190K |
| Median 504 approval | $708K | $616K | $657K |
| Average approval | $748K | $594K | $573K |
| 504 share of approvals | 17.0% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 14.9 | 11.0 | 10.5 |
| Share of state approvals | 1.4% | 100.0% | — |
Approval sizes
- $50,000 or less11.7%11
- $50,001 to $150,00019.1%18
- $150,001 to $350,00020.2%19
- $350,001 to $1 million26.6%25
- $1 million to $2 million10.6%10
- Over $2 million11.7%11
Age of the businesses
- Existing, more than 2 years old51.1%48
- New business, 2 years or less14.9%14
- Startup, loan funds will open the business18.1%17
- Change of ownership16.0%15
Questions and answers
Which lenders make the most SBA loans in Fond du Lac County?
By approvals in FY2021 to FY2025: Bank First, N.A. (27), WBD, Inc. (15), National Exchange Bank and Trust (6), The Huntington National Bank (4), U.S. Bank, National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Fond du Lac County?
The median 7(a) approval was $243K and the median 504 approval $708K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in Fond du Lac County?
Restaurants and Other Eating Places (9); Building Equipment Contractors (6); Traveler Accommodation (5); Other Amusement and Recreation Industries (4); Automotive Repair and Maintenance (4).
Is SBA lending in Fond du Lac County rising?
Approvals in the three latest complete fiscal years total 41, against 74 in the three before: falling (-45%).
How does Fond du Lac County compare with the rest of Wisconsin?
42.2 approvals per 1,000 establishments against 46.3 statewide, and 94 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