SBA Loans

SBA loans are federally guaranteed loans intended to spur the growth of small businesses. This allows Capitol Bank (the lender) to offer them with flexible terms and low rates. Also known as 7(a) loans, they are extremely popular but also can be challenging to secure. Requirements are specific and the underwriting criteria can be stringent.

Capitol Bank is here to help. We do everything in our power to ease the rigorous SBA loan application process, speed up the funding, and ensure your business is eligible for an SBA loan before wasting any of your valuable time.

Give us a call to learn more, or visit the U.S. Small Business Administration website to learn more. Capitol Bank is approved to offer SBA loan products under SBA’s Lender/Certified programs.

Why Choose Capitol Bank

Local decision makers

As an independent local Madison owned community bank, you’ll have a relationship with the individuals managing your SBA loan. You’re more than a number in our system. You are a member of the Greater Dane County and surrounding community. That means that your success is our success.


We’ve been offering business term loans for the entirety of our 22 year history in Madison and Dane County. Our professional, friendly Commercial Lenders understand your particular industry and can assist in guiding you through the process of funding your business’s growth.

Incentive Structure

Our Commercial Lenders are not paid on commission. Yes, they have annual goals. However, their incentive is building long-term relationships not acquiring loans for short term profits. This means they’re motivated to get to know you and your business and build a relationship based on trust and mutual understanding.

Dedicated team

Our Commercial Lenders manage our clients. Unlike some lending organizations, we don’t pass our relationships off to inexperienced staff who know you only on paper. You’ll have a dedicated team including the Commercial Lender as your key contacts from the onset of our relationship.

Get In Touch

Let’s start a conversation. If you’re interested in other types of loans, learn more: Commercial Real Estate, Business Lines of Credit, Equipment Leasing, and SBA Loans from Capitol Bank.

Local Lenders

Meet the local commercial lending team that will assist you throughout the process.

Our People

Business Services

A suite of products to help your business run smoothly.

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Contact Us

Get in touch if you have questions or want to speak with someone live.