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National Loan Experts

The River Valley Bank SBA team is laser focused on helping entrepreneurs nationwide prosper and realize their dreams. With us, loans are more than just transactions and we don't rely solely on formulas for loan approvals. Rather, we draw on years of experience and industry awareness to make the SBA loan process easier than ever.
We are experienced in debt refinancing, succession planning optimization, strategic expansion opportunities and current facility enhancements. We believe in taking the time to customize finance structures to offer the most competitive, trusted and advantageous solutions that position you for future success.

Trusted Lending

We know your business is built on tradition and personal service. We believe you deserve the same quality treatment from a lending partner. Allow us to earn your business!

  • Competitive rate options
  • Long repayment terms up to 25 years
  • No balloons, no covenants
  • Funds in as few as 30 days

Our Promise Statement:

• We promise INCREDIBLE SBA concierge service
• We promise SBA experts in every seat on our team
• We promise thoughtful transparency
• We promise same day professional responsiveness
• We promise we will do what we say we will do
• We promise timely expectation outlines

Contact River Valley Bank SBA experts to find a loan solution that meets your needs.

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Stephanie Castagnier Dunn
SBA President


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Shane Pierson
SVP SBA National Sales Manager

Stephanie has 20 years of experience in the finance sector and is a proven top individual SBA lender year after year. She's been featured in various trade publications as a leading expert in SBA lending and is personally and professionally dedicated to her clients.

Contact Stephanie to get started today

With 15 years of experience in the finance sector, Shane is a top SBA 7a loan officer lending to diverse industries nationwide. He is a boutique SBA financier focused on setting realistic expectations while ensuring the client's complete satisfaction.

Contact Shane to get started today

Get a head start! Download a River Valley Bank SBA Business Loan Application here.

Your Preferred Partner

With experienced focus on business banking, our staff of thoughtful business bankers are valuable partners for small and large businesses. We offer varied types of SBA loans to business owners throughout the United States!

Does your business need money? From unsecured business acquisitions to fully secured real estate to business expansion and working capital loans, River Valley Bank has a team of experts that will fit your needs and goals with the right business lending program.
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Small Business Administration (SBA) Loans

River Valley Bank has expanded its business banking solutions to offer SBA 7a and USDA loans to small business owners throughout the United States. With a retail branch network in Wisconsin and Upper Michigan, River Valley’s expansion into SBA lending allows the company to better serve its existing communities as well as develop a national footprint to offer loan products that help small business owners who may not qualify for conventional loans.

Loan Types to Fit Your Business Needs:
SBA 7a Loan. The most common type of SBA loan and right for most businesses looking to finance their working capital needs. SBA loans are popular because of their long repayment terms and low interest rates, which make 7a loans one of the most affordable working capital solutions.

SBA Express Loans (up to $350,000). This SBA loan program offers term loans and line of credit options. Proceeds may be used for financing business acquisition, equipment, debt refinance, working capital, inventory and tenant improvements.

SBA 504 Loan. The US Small Business Administration 504 Loan or Certified Development Company program is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery, at below market rates.

504-7a Loan Comparison. If purchasing a business or getting working capital is the goal, the SBA 7A loan is likely the better tool. More explicitly, with a SBA 504 loan, proceeds can be used to buy a building, finance ground-up construction or building improvements, or purchase heavy machinery and equipment.
Small Business Administration logo.

An SBA vs. a Conventional Loan

  • Less of a down payment required—as low as 10 to 15 percent with an SBA loan versus 20 to 25 percent with conventional loans.
  • Amortizations of up to 25 years for real estate and 10 for good will, working capital and equipment where they can be much less on the conventional side.
  • SBA loans are fully amortized, which means the borrower doesn’t have to worry about renewals or balloon payments.
  • Collateral shortfalls are not a barrier with an SBA loan—they are often the reason a bank will require an SBA guaranty.
  • With an SBA guaranty, a bank will be more willing to finance businesses with higher risks like startups, acquisitions, expansions and special purposes.


Government Guaranteed Loans

Whether you’re starting a business, expanding your facilities, purchasing new equipment or need working capital to jumpstart profitable growth, we can provide customized financial solutions to meet your goals and objectives.

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Why River Valley Bank?

River Valley Bank has been designated a U.S. Small Business Administration Preferred Lender. We have the authority to process, close, service and liquidate most SBA-guaranteed loans without prior review. For our borrowers, this means faster service with your local, community-focused bank.

We can work quickly to get loans for almost any business purpose including:
  • Start-up capital
  • Working capital
  • Construction or expansion
  • Owner-occupied commercial real estate
  • Multi-use or special use property
  • Business acquisition and buyouts
  • Equipment
  • Furniture, fixtures and leasehold improvements
  • Refinancing of debt

Contact River Valley Bank today and start making your business goals a true reality.



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