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Loans & Credit

Loans Available to Southeast Wisconsin Residents Only.

Most businesses will, at some point in time, consider some form of outside financing to help them achieve their goals. PWSB is working hard to provide financing alternatives that assist businesses to be successful.


  • To complete a Business Credit Application or to learn more about our business products, call one of our commercial lending experts at 1-800-550-9435

If you are interested in the following loan programs, click here:

  • Cedarburg Economic Development Loan Program
  • Town of Cedarburg Economic Development Loan Program
  • Grafton South Commercial District Development Loan Program
  • Port Washington Main Street Development Program
  • Saukville Community Development Loan Program
  • Thiensville Community Development Loan Program


PWSB has become very active in providing SBA and WHEDA guaranteed loans to small businesses. Guaranteed loans help the bank to provide longer terms and higher loan to value leaving more cash in the business for operating purposes. We'll help you get through the process as quickly and successfully as possible.

SBA and WHEDA loans are available in amounts up to $2,000,000 under the SBA Express and 7a loans and the WHEDA Linked Deposit and Guaranteed Loans. You may obtain more details on these programs at and at


Many businesses use equipment leasing today to acquire equipment, and almost any type of equipment qualifies for a lease. If your business is considering a lease for equipment, talk to your business banker about the common sense options available.

Leasing Through Port Washington State Bank

Unlike other traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease. In addition, coordinating all your banking and equipment financing activity with one bank is convenient and saves you valuable time.

Tax Lease

A tax lease is structured to provide the leasing company with equipment ownership, and along with it all depreciation benefits. In return, your lease payments are fully deductible. The documentation for a tax lease is designed to conform to all related guidelines.

Capital Lease (Also Known as a Finance Lease)
A capital lease is structured to pass all ownership benefits to you, including depreciation. Only the interest portion of your lease payment is deductible, along with your depreciation expense. Such leases commonly have a $1.00 purchase option at expiration.

For counsel and guidance, we recommend you discuss your specific situation with your tax advisor to assess which lease best fits your needs.

Leasing Options

The popularity and growth in leasing is in large part due to the wide variety of available lease options. These include:

  • 100% Financing;?No Down Payment Required
  • Variable Payment Terms for Seasonal Customers
  • Most Leases Can Be Structured to Meet Tax Objectives
  • Fixed Rate for the Lease Term

Click here for our brochure on equipment leasing.

Equipment Loans - Up to 100% financed.

    • Equipment Purchases, New and/or Used
    • Lease Buyouts
    • All Types of Equipment

Working Capital and Other Financing

    • Debt Consolidations
    • Expansions
    • Lines of Credit
    • Start-up Businesses
    • Business Buyout

Real Estate Loans

SBA 504 loans are available to provide up to 90% financing for real estate loans.

    • Purchase of existing facility and improvements
    • Purchase of new facility and improvements
    • Purchase of land and construct new facility
    • Refinancing facility's existing debt


PWSB offers terms and repayment schedules that can be a comfortable fit for the financial resources of the business. This type of loan works well for capital purchases of equipment, vehicles, and other fixed assets to help the business grow or become more efficient.


PWSB can establish a line of credit to assist your business through the seasonal or cyclical needs of your operation. This line of credit can give the business the extra working capital required on a short term basis with minimal paper work.


PWSB provides financing for construction of commercial and industrial buildings, multi-family housing, and residential development. Please contact us when starting your project.  NMLS #460289


PWSB can provide a variety of alternatives for financing your real estate project. Please contact a commercial lender to discuss your real estate lending needs for expanding your current facility or purchasing and/or building a new location.


PWSB can provide Letters of Credit to assist with expanding your international business opportunities.


PWSB offers Business VISA cards and lines of credit for your business convenience. An application can be obtained by calling the bank or e-mailing us. The bank also offers merchant processing services for accepting credit cards as payments. Please contact us for more information as to how this service can help your business.