Small Business Loan Application

Before You Apply

This business loan application is used to apply for:

• Business term loans
• Operating lines of credit
• Business credit cards
• Business Kwik Cash overdraft protection

If you are seeking a loan of more than $750,000, or if a new loan would mean you have more than $750,000 in total business loans from Royal, please email [email protected] or call 800-341-9911 ext. 3001 to begin an application.

If you are seeking a business construction loan or letter of credit, please contact us at the email or phone number above.

Begin Your Small Business Loan Application

Royal's recently enhanced small business loan application portal includes the ability to save and return to incomplete or previously submitted applications, as well as secure communication and document upload features.

Our online small business loan application is temporarily unavailable. Please contact us at 715-833-7296 or [email protected] to begin an application.

Additional information about what to expect during the application process:

• You will need to provide detailed business information and personal information about all owners. It may be helpful to have all owners available to answer questions as you go through the application.
• If you've placed a credit freeze or security freeze on your personal credit with Experian or TransUnion, please temporarily lift the freeze(s) before applying.
• For loan requests of more than $50,000, you'll need to provide tax returns and additional financial documents.
• We will ask for your NAICS code to help classify your business. Learn more about NAICS.