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County12th of 71 in Wisconsin by approvalsFIPS 55063
SBA loans in La Crosse 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.
SBA approved 157 loans to businesses in La Crosse County, Wisconsin, in FY2021 to FY2025, worth $103M: 121 under 7(a) and 36 under 504.
That is 49.8 approvals per 1,000 business establishments (3,151 establishments in 2023), close to the Wisconsin figure of 46.3 and above the national 41.0.
It ranks 12th of 71 Wisconsin counties with approvals. In FY2025 there were 28, down 12% on FY2024.
32 lenders had approvals here; the most active were WBD, Inc. (32), CCFBank National Association (19) and Citizens State Bank of La Crosse (17). 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 La Crosse County
By number of approvals to businesses in the county, FY2021–FY2025; 32 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | WBD, Inc.Madison, WI · CDC | 32 | $31.5M | 20.4% | |
| 2 | CCFBank National AssociationAltoona, WI | 19 | $12.8M | 12.1% | |
| 3 | Citizens State Bank of La CrosseLa Crosse, WI | 17 | $5.0M | 10.8% | |
| 4 | Coulee BankLa Crosse, WI | 11 | $8.4M | 7.0% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 9 | $2.6M | 5.7% | |
| 6 | Altra Federal Credit UnionOnalaska, WI | 9 | $1.9M | 5.7% | |
| 7 | Park Bank National AssociationHolmen, WI | 8 | $2.0M | 5.1% | |
| 8 | State Bank FinancialLa Crosse, WI | 6 | $5.5M | 3.8% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 5 | $1.1M | 3.2% | |
| 10 | Wisconsin Women's Business Initiative CorporationMilwaukee, WI | 5 | $745K | 3.2% | |
| 11 | Old National BankEvansville, IN | 4 | $6.0M | 2.5% | |
| 12 | Merchants Bank, National AssociationWinona, MN | 4 | $697K | 2.5% | |
| 13 | Minnwest BankRedwood Falls, MN | 3 | $2.2M | 1.9% | |
| 14 | Byline BankChicago, IL | 2 | — | 1.3% | |
| 15 | Platinum BankOakdale, MN | 2 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 23 | 14.6% | |
| 2 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 8 | 5.1% | |
| 3 | Personal Care ServicesNAICS 8121 | 8 | 5.1% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 4.5% | |
| 5 | Lessors of Real EstateNAICS 5311 | 6 | 3.8% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 6 | 3.8% | |
| 7 | Offices of DentistsNAICS 6212 | 4 | 2.5% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 4 | 2.5% | |
| 9 | Residential Building ConstructionNAICS 2361 | 4 | 2.5% | |
| 10 | Printing and Related Support ActivitiesNAICS 3231 | 3 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 32 | 20.4% | |
| 2 | Other Services (except Public Administration) | 19 | 12.1% | |
| 3 | Manufacturing | 16 | 10.2% | |
| 4 | Construction | 16 | 10.2% | |
| 5 | Retail Trade | 13 | 8.3% | |
| 6 | Health Care and Social Assistance | 12 | 7.6% | |
| 7 | Transportation and Warehousing | 10 | 6.4% | |
| 8 | Professional, Scientific, and Technical Services | 9 | 5.7% |
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 | $9.0M | $100K | 3 | $6.0M | 20 | 311 |
| FY2025 | 21 | $11.8M | $500K | 7 | $5.3M | 28 | 434 |
| FY2024 | 24 | $17.0M | $200K | 8 | $10.1M | 32 | 244 |
| FY2023 | 24 | $5.7M | $143K | 5 | $4.4M | 29 | 362 |
| FY2022 | 25 | $13.8M | $210K | 7 | $4.5M | 32 | 434 |
| FY2021 | 27 | $20.6M | $351K | 9 | $10.1M | 36 | 480 |
| FY2020 | 32 | $12.3M | $100K | 5 | $2.2M | 37 | 256 |
| FY2019 | 31 | $8.2M | $84K | 6 | $5.2M | 37 | 350 |
| FY2018 | 22 | $3.8M | $85K | 6 | $3.9M | 28 | 172 |
| FY2017 | 39 | $9.6M | $136K | 6 | $4.1M | 45 | 365 |
| FY2016 | 65 | $14.8M | $100K | 4 | $3.0M | 69 | 647 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 216 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | La Crosse County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 157 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 49.8 | 46.3 | 41.0 |
| Median 7(a) approval | $225K | $225K | $190K |
| Median 504 approval | $685K | $616K | $657K |
| Average approval | $658K | $594K | $573K |
| 504 share of approvals | 22.9% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 12.4 | 11.0 | 10.5 |
| Share of state approvals | 2.3% | 100.0% | — |
Approval sizes
- $50,000 or less13.4%21
- $50,001 to $150,00018.5%29
- $150,001 to $350,00020.4%32
- $350,001 to $1 million29.9%47
- $1 million to $2 million10.2%16
- Over $2 million7.6%12
Age of the businesses
- Existing, more than 2 years old47.1%74
- New business, 2 years or less14.0%22
- Startup, loan funds will open the business20.4%32
- Change of ownership18.5%29
Questions and answers
Which lenders make the most SBA loans in La Crosse County?
By approvals in FY2021 to FY2025: WBD, Inc. (32), CCFBank National Association (19), Citizens State Bank of La Crosse (17), Coulee Bank (11), U.S. Bank, National Association (9). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in La Crosse County?
The median 7(a) approval was $225K and the median 504 approval $685K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in La Crosse County?
Restaurants and Other Eating Places (23); Drinking Places (Alcoholic Beverages) (8); Personal Care Services (8); Automotive Repair and Maintenance (7); Lessors of Real Estate (6).
Is SBA lending in La Crosse County rising?
Approvals in the three latest complete fiscal years total 89, against 105 in the three before: falling (-15%).
How does La Crosse County compare with the rest of Wisconsin?
49.8 approvals per 1,000 establishments against 46.3 statewide, and 157 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