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County36th of 71 in Wisconsin by approvalsFIPS 55111
SBA loans in Sauk 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 Sauk County, Wisconsin, received 36 SBA loan approvals worth $26.7M in FY2021 to FY2025 (21 7(a), 15 504).
That is 19.2 approvals per 1,000 business establishments (1,876 establishments in 2023), below the Wisconsin figure of 46.3 and below the national 41.0.
It ranks 36th of 71 Wisconsin counties with approvals. In FY2025 there were 9.
17 lenders had approvals here; the most active were WBD, Inc. (15), Bank of Wisconsin Dells (4) and Northeast Bank (2). 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 Sauk County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | WBD, Inc.Madison, WI · CDC | 15 | $13.6M | 41.7% | |
| 2 | Bank of Wisconsin DellsWisconsin Dells, WI | 4 | $350K | 11.1% | |
| 3 | Northeast BankLewiston, ME | 2 | — | 5.6% | |
| 4 | Summit CUCottage Grove, WI | 2 | — | 5.6% | |
| 5 | CCFBank National AssociationAltoona, WI | 1 | — | 2.8% | |
| 6 | Bank of Prairie Du SacPrairie du Sac, WI | 1 | — | 2.8% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 2.8% | |
| 8 | Bank First, N.A.Manitowoc, WI | 1 | — | 2.8% | |
| 9 | Mission Valley BankSun Valley, CA | 1 | — | 2.8% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.8% | |
| 11 | Baraboo State BankBaraboo, WI | 1 | — | 2.8% | |
| 12 | National Exchange Bank and TrustFond du Lac, WI | 1 | — | 2.8% | |
| 13 | Byline BankChicago, IL | 1 | — | 2.8% | |
| 14 | BMO Bank National AssociationChicago, IL | 1 | — | 2.8% | |
| 15 | The Huntington National BankColumbus, OH | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 19.4% | |
| 2 | Residential Building ConstructionNAICS 2361 | 3 | 8.3% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 8.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 2 | 5.6% | |
| 5 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 5.6% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 5.6% | |
| 7 | Automobile DealersNAICS 4411 | 1 | 2.8% | |
| 8 | Other Motor Vehicle DealersNAICS 4412 | 1 | 2.8% | |
| 9 | Gasoline StationsNAICS 4571 | 1 | 2.8% | |
| 10 | Offices of DentistsNAICS 6212 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 12 | 33.3% | |
| 2 | Retail Trade | 10 | 27.8% | |
| 3 | Construction | 4 | 11.1% | |
| 4 | Health Care and Social Assistance | 3 | 8.3% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 2 | 5.6% | |
| 6 | Other Services (except Public Administration) | 2 | 5.6% | |
| 7 | Manufacturing | 1 | 2.8% | |
| 8 | Arts, Entertainment, and Recreation | 1 | 2.8% |
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 | $3.3M | $301K | 2 | — | 8 | 68 |
| FY2025 | 6 | $3.2M | $284K | 3 | $5.1M | 9 | 130 |
| FY2024 | 7 | $7.3M | $360K | 2 | — | 9 | 93 |
| FY2023 | 4 | $1.1M | $286K | 1 | — | 5 | 13 |
| FY2022 | 0 | — | — | 4 | $4.0M | 4 | 67 |
| FY2021 | 4 | $1.4M | $260K | 5 | $2.4M | 9 | 221 |
| FY2020 | 4 | $899K | $132K | 3 | $3.4M | 7 | 13 |
| FY2019 | 5 | $1.2M | $50K | 3 | $2.1M | 8 | 63 |
| FY2018 | 9 | $3.5M | $75K | 1 | — | 10 | 32 |
| FY2017 | 10 | $3.8M | $143K | 3 | $3.5M | 13 | 121 |
| FY2016 | 15 | $2.0M | $75K | 3 | $3.5M | 18 | 126 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 56 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | Sauk County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 36 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 19.2 | 46.3 | 41.0 |
| Median 7(a) approval | $300K | $225K | $190K |
| Median 504 approval | $558K | $616K | $657K |
| Average approval | $741K | $594K | $573K |
| 504 share of approvals | 41.7% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 14.6 | 11.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less11.1%4
- $50,001 to $150,00011.1%4
- $150,001 to $350,00019.4%7
- $350,001 to $1 million38.9%14
- $1 million to $2 million13.9%5
- Over $2 million5.6%2
Age of the businesses
- Existing, more than 2 years old61.1%22
- New business, 2 years or less11.1%4
- Startup, loan funds will open the business22.2%8
- Change of ownership5.6%2
Questions and answers
Which lenders make the most SBA loans in Sauk County?
By approvals in FY2021 to FY2025: WBD, Inc. (15), Bank of Wisconsin Dells (4), Northeast Bank (2), Summit CU (2), CCFBank National Association (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Sauk County?
The median 7(a) approval was $300K and the median 504 approval $558K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in Sauk County?
Restaurants and Other Eating Places (7); Residential Building Construction (3); Traveler Accommodation (3); Services to Buildings and Dwellings (2); RV (Recreational Vehicle) Parks and Recreational Camps (2).
Is SBA lending in Sauk County rising?
Approvals in the three latest complete fiscal years total 23, against 20 in the three before: rising (+15%).
How does Sauk County compare with the rest of Wisconsin?
19.2 approvals per 1,000 establishments against 46.3 statewide, and 36 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