CCFBank
At a Glance
The one bank this round whose SBA page gives a purchase and a partner buy-in a block each, with ninety percent financing on the purchase, and a form that reaches a person.
- Pricing
- Custom Pricing, Loan products; terms by term sheet. It publishes no loan size, rate or fee; its acquisition block says up to ninety percent financing, and its SBA intake asks what the loan is for and nothing about its size (per ccf.us, September 2026).
- Best For
- A buyer of a business in Wisconsin or Minnesota who wants an SBA desk that names the purchase first and takes the first step online
- Track Record
- A Wisconsin and Minnesota bank of twenty branches, a Preferred and Express Lender and a 504 volume award recipient by its own page.
- Type
- Bank (lends directly)
- Footprint
- Twenty branches across Wisconsin and Minnesota by its own list, serving the Midwest in its own words. It lends beyond the states it names, so one it does not name is worth asking about rather than ruling out.
- Approval Authority
- Says it holds SBA Preferred Lender status, so it can approve the loan itself rather than sending the file to the agency for a second look.
- Deal Size
- $500k to $5M.
- Publishes no floor. Most of this shelf gives a ceiling that is really the agency's own cap, and no minimum at all.
- No amount at either end on any page; the only bands on the site ask a borrower's annual revenue, and its acquisition block says up to ninety percent financing.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- An online intake with no cost, obligation or credit check that connects the reader with an SBA team member, then a closing the bank runs; a first step online rather than a remote process.
- No page names a search fund or a searcher; its SBA page gives purchasing an existing business a block of its own, second of three, and partnership buy-in financing the third, and its FAQ names partner buyouts and acquisitions.
- Published Terms
- No size, rate or fee published; up to ninety percent financing for buying a business, by its own page.
- Roadmap Stages
- 5. Diligence & Close the Deal
Pros and Cons
Pros
- Gives purchasing an existing business and a partnership buy-in a block each on its SBA page, under a heading about financing to buy, grow or start a business
- Says up to ninety percent financing is available for buying a business
- An online intake with no cost, obligation or credit check that connects a buyer with its SBA team
- A Preferred and Express Lender, and a 504 volume lender award recipient, by its own page
Cons
- Publishes no loan size, no rate and no fee
- Its top-lender claim rests on two fiscal years and a narrowed class, in its own footnote
- Its SBA page speaks of Wisconsin while six of its branches are in Minnesota, and no page of its own site names a headquarters city, though its application portal places it in Altoona
- Names no search fund, searcher or acquisition entrepreneur
What Searchers Say
Read on its SBA page, its loans page, its why page, its contact and location pages and two of its learn articles. No searcher-forum discussion of the desk was found.
How to Approach
CCFBank is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder