States › Wisconsin › Oneida County
County30th of 71 in Wisconsin by approvalsFIPS 55085
SBA loans in Oneida 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 Oneida County, Wisconsin, received 46 SBA loan approvals worth $23.3M in FY2021 to FY2025 (34 7(a), 12 504).
That is 33.2 approvals per 1,000 business establishments (1,387 establishments in 2023), below the Wisconsin figure of 46.3 and below the national 41.0.
It ranks 30th of 71 Wisconsin counties with approvals. In FY2025 there were 11, up 10% on FY2024.
18 lenders had approvals here; the most active were WBD, Inc. (11), Nicolet National Bank (8) and IncredibleBank (5). 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 Oneida County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | WBD, Inc.Madison, WI · CDC | 11 | $5.4M | 23.9% | |
| 2 | Nicolet National BankGreen Bay, WI | 8 | $5.4M | 17.4% | |
| 3 | IncredibleBankWausau, WI | 5 | $4.7M | 10.9% | |
| 4 | Peoples State BankWausau, WI | 3 | $2.0M | 6.5% | |
| 5 | Northeast BankLewiston, ME | 3 | $717K | 6.5% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 4.3% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.3% | |
| 8 | Northeast Entrepreneur Fund, Inc.Duluth, MN | 2 | — | 4.3% | |
| 9 | Bank Five NineOconomowoc, WI | 1 | — | 2.2% | |
| 10 | Racine County Economic Development CorporationSturtevant, WI · CDC | 1 | — | 2.2% | |
| 11 | City National Bank of FloridaMiami, FL | 1 | — | 2.2% | |
| 12 | Forward BankMarshfield, WI | 1 | — | 2.2% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 2.2% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.2% | |
| 15 | The Huntington National BankColumbus, OH | 1 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 19.6% | |
| 2 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 5 | 10.9% | |
| 3 | Building Finishing ContractorsNAICS 2383 | 5 | 10.9% | |
| 4 | Child Day Care ServicesNAICS 6244 | 3 | 6.5% | |
| 5 | Gasoline StationsNAICS 4571 | 2 | 4.3% | |
| 6 | Consumer Goods RentalNAICS 5322 | 2 | 4.3% | |
| 7 | Other Motor Vehicle DealersNAICS 4412 | 2 | 4.3% | |
| 8 | Drycleaning and Laundry ServicesNAICS 8123 | 2 | 4.3% | |
| 9 | Traveler AccommodationNAICS 7211 | 2 | 4.3% | |
| 10 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 2 | 4.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 18 | 39.1% | |
| 2 | Retail Trade | 7 | 15.2% | |
| 3 | Construction | 6 | 13.0% | |
| 4 | Real Estate and Rental and Leasing | 3 | 6.5% | |
| 5 | Manufacturing | 3 | 6.5% | |
| 6 | Other Services (except Public Administration) | 3 | 6.5% | |
| 7 | Health Care and Social Assistance | 3 | 6.5% | |
| 8 | Wholesale Trade | 1 | 2.2% |
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* | 1 | — | — | 1 | — | 2 | 4 |
| FY2025 | 11 | $4.0M | $337K | 0 | — | 11 | 108 |
| FY2024 | 10 | $3.0M | $163K | 0 | — | 10 | 115 |
| FY2023 | 7 | $5.0M | $360K | 1 | — | 8 | 51 |
| FY2022 | 2 | — | — | 6 | $2.9M | 8 | 46 |
| FY2021 | 4 | $3.9M | $858K | 5 | $2.6M | 9 | 66 |
| FY2020 | 1 | — | — | 1 | — | 2 | 3 |
| FY2019 | 8 | $3.9M | $135K | 0 | — | 8 | 34 |
| FY2018 | 17 | $5.4M | $150K | 2 | — | 19 | 118 |
| FY2017 | 9 | $5.1M | $245K | 1 | — | 10 | 81 |
| FY2016 | 11 | $4.1M | $100K | 1 | — | 12 | 56 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 51 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | Oneida County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 46 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 33.2 | 46.3 | 41.0 |
| Median 7(a) approval | $313K | $225K | $190K |
| Median 504 approval | $459K | $616K | $657K |
| Average approval | $507K | $594K | $573K |
| 504 share of approvals | 26.1% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 8.4 | 11.0 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less13.0%6
- $50,001 to $150,00013.0%6
- $150,001 to $350,00021.7%10
- $350,001 to $1 million37.0%17
- $1 million to $2 million10.9%5
- Over $2 million4.3%2
Age of the businesses
- Existing, more than 2 years old41.3%19
- New business, 2 years or less21.7%10
- Startup, loan funds will open the business19.6%9
- Change of ownership17.4%8
Questions and answers
Which lenders make the most SBA loans in Oneida County?
By approvals in FY2021 to FY2025: WBD, Inc. (11), Nicolet National Bank (8), IncredibleBank (5), Peoples State Bank (3), Northeast Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Oneida County?
The median 7(a) approval was $313K and the median 504 approval $459K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in Oneida County?
Restaurants and Other Eating Places (9); Drinking Places (Alcoholic Beverages) (5); Building Finishing Contractors (5); Child Day Care Services (3); Gasoline Stations (2).
Is SBA lending in Oneida County rising?
Approvals in the three latest complete fiscal years total 29, against 19 in the three before: rising (+53%).
How does Oneida County compare with the rest of Wisconsin?
33.2 approvals per 1,000 establishments against 46.3 statewide, and 46 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