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Big Benefits for Small Business
Did you know there are lending resources available specifically for small businesses?
Community State Bank does. Better yet, we can leverage them for your company.
With a Small Business Administration (SBA) loan from CSB, you can start building up your business. These small business loans are guaranteed by the U.S. Small Business Administration, an organization dedicated to providing short- and long-term loan guarantees.
Work with the community bank that believes in the small businesses of Racine County, Kenosha County and Walworth County. Partner with CSB!
SBA Loan Types
Community State Bank (CSB) offers SBA-backed loans to help local businesses grow. The SBA 7(a) loan is a flexible option for things like working capital or buying a business, while the 504 loan is great for big purchases like equipment or real estate.
SBA 7(a) Loans
The 7(a) Loan Program, SBA’s primary business loan program, provides loan guaranties to lenders that allow them to provide financial help for small businesses with special requirements. 7(a) loans can be used for:
- Acquiring, refinancing, or improving real estate and buildings
- Short and long-term working capital
- Refinancing current business debt
- Purchasing and installation of machinery and equipment, including AI-related expenses
- Purchasing furniture, fixtures, and supplies
- Changes of ownership (complete or partial)
- Multiple purpose loans, including any of the above
7(a) Working Capital Pilot (WCP) Program
SBA's 7(a) WCP is a pilot loan program that offers monitored lines of credit within the 7(a) loan program.
7(a) WCP has been engineered to:
- Support a range of financing needs for growing small businesses
- Bring together the best features of the existing permanent 7(a) line of credit delivery methods
- Provide financing for domestic and/or export purposes
- Offer one-on-one counseling with SBA's subject-matter experts to both small businesses and lenders
7(a) Express Loan
The SBA Express allows certain lenders to generally use their own processes and procedures in exchange for a lower SBA guaranty percentage. SBA Express lenders have delegated authority to process, close, service, and liquidate the 7(a) loan without SBA review.
7(a) Manufacturers' Access to Revolving Credit (MARC) - Available October 1, 2025
The 7(a) Manufacturer’s Access to Revolving Credit (MARC) Loan Program offers working capital for small businesses engaged in manufacturing (NAICS 31-33), specifically designed to provide maximum flexibility and minimal red tape.
The MARC Program expands SBA’s portfolio of loan programs by adding a new source of liquidity for small manufacturers, while offering lenders (like CSB) maximum flexibility to structure working capital loans. This provides more options to meet businesses’ unique working capital needs:
- MARC lines may be structured as either a revolving line of credit or term loan.
- The MARC is positioned to help growing manufacturers access flexible working capital as they scale their operations and take on new customers.
- Loan funds may be used for any short-term working capital need of the manufacturer, supporting everything from inventory purchases to new projects.
- MARC lines of credit can help manufacturers expand their working capital by leveraging the available equity of their existing facility or equipment.
504 Loan Program
The 504 loan program provides long-term, fixed rate financing for major fixed assets that promote business growth and job creation.
504 loans are available through Certified Development Companies (CDCs), SBA's community-based nonprofit partners who promote economic development within their communities. CDCs are certified and regulated by SBA.
A 504 loan can be used for a range of assets that promote business growth and job creation. These include the purchase or construction of:
- Existing buildings or land
- New facilities
- Long-term machinery and equipment with a useful remaining life of a minimum of 10 years, including project-related AI-supported equipment or machinery for manufacturing products
- Consolidating debt
- Repaying or refinancing debt defined as "qualified debt"
Or the improvement or modernization of:
- Land, streets, utilities, parking lots and landscaping
- Existing facilities
Meet Our Business Lending Team
