IncredibleBank

Headquartered in Wausau, WIincrediblebank.com$2.1B in assetsFounded 196719 officesData: SBA 7(a) FOIA file

Loans: 6
Approved: $6M
Median deal: $616,000
Median rate: 9.75%

Loans per fiscal year

FY2026 is partial: 1 loans approved through June 30, 2026.

Loans per fiscal year
Fiscal year	Loans
FY2020	32
FY2021	28
FY2022	25
FY2023	19
FY2024	17
FY2025	5
FY2026 (partial year, through June 30, 2026)	1

How they lend

Across 6 change-of-ownership loans, FY2025 to FY2026 Q3.

Acquisition share of their 7(a) lending

Acquisitions 127 (30.0%)Other purposes 296 (70.0%)

Their full 7(a) book since FY2020 is 423 loans. Every other figure on this page counts the 127 acquisition loans only.

Initial rate structure

Variable 100.00%Fixed 0.00%

Middle half of rates: 9.50% to 10.19%
Median term: 210 months
Collateral reported: 100.00% of loans
Sold on the secondary market: 100.00% of loans
Franchise loans: 16.67% of loans

Processing method

Preferred Lenders Program

100.00%

SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.

What they fund

Industries and deal sizes across 6 change-of-ownership loans, FY2025 to FY2026 Q3.

Top industries

Accommodation and Food Services		33.33%
Arts, Entertainment, and Recreation		16.67%
Construction		16.67%
Other Services (except Public Administration)		16.67%
Retail Trade		16.67%

Deal size mix

Under $350K 33.33%$350K to $1M 33.33%$1M to $3.5M 33.33%$3.5M+ 0.00%

Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.

Where they lend

Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.

Wisconsin4 loans
Florida2 loans

Grouped by ProjectState. State names link to the state lender pages where one exists.

Run a deal at these rates

The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.

Open the deal analyzer

The full lender directory

Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.

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Source: SBA 7(a) FOIA file, change-of-ownership loans for IncredibleBank. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.