SBA lending by metro area
SBA lenders in Oshkosh, WI
Which lenders fund Oshkosh-area businesses, how much, and how the market compares with Wisconsin: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Oshkosh area
Ranked by SBA volume funded to businesses located in the Oshkosh metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | WBD, Inc. | 101 | $75.5M | $747K | not reported |
| 2 | Nicolet National Bank | 67 | $26.1M | $389K | 5.97% |
| 3 | Bank of Ann Arbor | 117 | $23.9M | $204K | 5.13% |
| 4 | Byline Bank | 20 | $19.6M | $982K | 0.00% |
| 5 | Bank First, N.A. | 47 | $15.4M | $327K | 0.00% |
| 6 | Verve, a Credit Union | 30 | $9.3M | $309K | 0.00% |
| 7 | American National Bank-Fox Cities | 31 | $8.5M | $276K | 3.23% |
| 8 | Horicon Bank | 10 | $8.2M | $822K | not reported |
| 9 | First Business Bank | 15 | $8.1M | $540K | not reported |
| 10 | UMB Bank, National Association | 7 | $8.0M | $1.1M | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Oshkosh compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Oshkosh area | $174K ▼ 13.3% | 13.6% |
| Wisconsin | $200K | 13.7% |
| United States | $179K | 11.2% |
What gets funded in Oshkosh
| Industry | Loans | Total funded |
|---|---|---|
| Manufacturing | 147 | $88.9M |
| Accommodation and Food Services | 66 | $48.0M |
| Retail Trade | 105 | $36.7M |
| Health Care and Social Assistance | 88 | $29.6M |
| Construction | 88 | $24.3M |
| Other Services | 62 | $19.4M |
| Wholesale Trade | 28 | $15.4M |
| Arts, Entertainment, Recreation | 27 | $13.2M |
SBA lending in Oshkosh by year
Geography, precisely
"Oshkosh area" here means the Oshkosh-Neenah, WI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Winnebago County, WI. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.