Growth shows up before the space does.
The line runs out of floor. The dining room turns people away on a Friday.
The shop needs a second bay and there is nowhere to put it.
It is a good problem and an expensive one, and it rarely announces itself on a convenient timeline.
The project always costs more than the construction.
Owners come to us with a contractor bid and we end up financing three things: the build, the equipment that goes in it, and the working capital to carry the months between opening and running at full speed. Leave any of the three out and the project gets tight in the middle.
As the business grows, so does what you are exposed to. Our insurance and investment teams look at the whole picture with you, not just the piece we lent against.
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What We Finance
Expanding an
Existing Facility
Added square footage, a reworked floor plan, or a building you already own that needs to do more.
Opening a
New Location
A second site, a satellite, or a move into something bigger. Two locations run differently than one, and the financing should account for that.
What We Look At
- What the project costs, broken out by line item rather than one number.
- What the space does for revenue and when it starts.
- How a new payment sits against current cash flow.
- Whether you own or lease the building you are in now.
- Contractor bids and a realistic timeline.
- What happens to the space you are leaving.
Rough numbers are enough to start.
Bring the contractor bid and the napkin sketch.
Both are useful. We have financed projects that started as neither. Call the number on the card and describe what you are trying to build.
Call before you sign with the contractor.
Most owners line up the builder first and the financing second. Reversing that order usually costs less, because it lets us look at the whole project before anyone commits to a number.
Ten locations across Northeastern Wisconsin. Find the one nearest you, or call a lender directly.