Searching for trusted Wyoming SBA lenders to power your business growth? Our comprehensive directory connects Wyoming entrepreneurs with approved SBA loan providers throughout the Equality State including Cheyenne, Casper, Laramie, Gillette and beyond. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Wyoming businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Wyoming small business thrive in the state’s unique economic landscape.
| Lender Name | Website | Locations | Delegated Lender Authority |
|---|---|---|---|
| ANB Bank | abnbfcu.org | Buffalo, Casper, Cheyenne, Gillette, Laramie, Worland | |
| Atlantic City Federal Credit Union | atlanticcapitalbank.com | Lander, Riverton, Shoshoni | |
| Bank of Commerce | atlanticunionbank.com | Rawlins, Saratoga | SBA Express |
| Bank of Greybull (Bridger) | atlanticunionbank.com | Greybull | |
| Bank of Jackson Hole, Division of NBH Bank | atlanticunionbank.com | Alpine, Dubois, Jackson, Pinedale, Teton Village, Wilson | PLP/SBA Express |
| Bank of Lovell (Bridger) | bankofamerica.com | Lovell | |
| Bank of Powell (Bridger) | sbbankers.bankofamerica.com | Powell | |
| Bank of Star Valley | bankofamerica.com | Afton, Alpine, Thayne | SBA Express |
| Bank of Thermopolis (Bridger) | bankofbotetourt.com | Thermopolis | |
| Banner Capital Bank | bankofcharlotte.com | Cheyenne, Guernsey | |
| Big Horn Federal | bankofclarke.bank | Greybull, Lovell, Powell, Thermopolis, Worland | |
| BMO | bankofmarionva.com | Casper, Douglas, Evanston, Green River, Lander, Laramie, Lusk, Rawlins, Sheridan | PLP/SBA Express/Export Express/EWCP |
| Buffalo Federal Bank (Banks of Buffalo, Gillette, Sheridan) | bsvnet.com | Buffalo, Gillette, Sheridan | SBA Express |
| Central Bank & Trust | bsvnet.com | Cheyenne, Lander, Riverton, Thermopolis | SBA Express |
| Cheyenne State Bank | bankofthejames.bank | Cheyenne | |
| Commerce Bank/NebraskaLand Bank | bankofthejames.bank | Rock Springs | |
| Converse County Bank | bankofthejames.bank | Douglas | SBA Express |
| Cowboy State Bank | bankofthejames.bank | Sheridan | |
| Farmers State Bank | bayportcu.org | Pine Bluffs | |
| First Bank (Glacier) | mybct.bank | Alpine, Cody, Evanston, Guernsey, Lovell, Pinedale, Powell, Rock Springs, Sheridan, Torrington | PLP/SBA Express/Export Express/EWCP |
| First Federal Bank & Trust | mybct.bank | Sheridan | SBA Express |
| First Interstate Bank | mybct.bank | Buffalo, Casper, Cheyenne, Jackson, Laramie, Mills, Riverton, Sheridan | PLP/SBA Express/Export Express/EWCP |
| First National Bank of Gillette | mybcu.org | Gillette | SBA Express |
| First National Bank of Omaha – FNBO | bcbonline.com | Cheyenne, Laramie | PLP/SBA Express/Export Express/EWCP |
| First Northern Bank of Wyoming | mybrb.com | Buffalo, Gillette, Newcastle, Sheridan | SBA Express |
| First State Bank (Glacier) | mybrb.com | Casper, Wheatland, Worland | PLP/SBA Express/Export Express/EWCP |
| First Western Trust Bank | mybrb.com | Jackson | |
| FirsTier Bank | businessfinancegroup.org | Cheyenne | |
| Hilltop Bank | businesslenders.com | Casper, Cheyenne | SBA Express/EWCP |
| Jonah Bank | capitalbankmd.com | Casper, Cheyenne | SBA Express |
| Lusk State Bank (Banner Capital) | capitalone.com | Lusk | |
| Meridian Trust FCU | cei7a.com | Cheyenne | SBA Express |
| Nuvision Credit Union | Cheyenne | ||
| Pinnacle Bank | cvfcu.com | Cheyenne, Cody, Gillette, Moorcroft, Newcastle, Powell, Torrington, Worland | PLP/SBA Express |
| Platte Valley Bank | chesbank.com | Casper, Cheyenne, Torrington, Wheatland | SBA Express/Export Express |
| Points West Bank | chesbank.com | Douglas, Torrington | EWCP |
| Riverstone Bank | chesbank.com | Cheyenne, Laramie | |
| RNB State Bank | chesbank.com | Rawlins, Saratoga | |
| Rolling Hills Bank & Trust | cffc.com | Wheatland | |
| RSNB | cbtva.com | Rock Springs | SBA Express |
| Security State Bank | cnb.com | Basin, Gillette, Sheridan, Worland | PLP/SBA Express |
| State Bank | td.com | Green River, Evanston, Rock Springs | |
| Summit National Bank | cornerstonebankva.com | Hulett | |
| Sundance State Bank | dollar.bank | Sundance | SBA Express |
| Sunlight Federal Credit Union | mydccu.com | Cody, Sheridan, Worland | |
| Uinta Bank | eaglebankcorp.com | Evanston, Mountain View, Rock Springs | SBA Express |
| US Bank | fmbankva.com | Cheyenne, Cody, Gillette, Green River, Riverton, Rock Springs, Sheridan | PLP/SBA Express/Export Express/EWCP |
| Wells Fargo | farmersandminersbank.com | Casper, Cheyenne, Gillette, Green River, Jackson, Laramie, Rock Springs, Wheatland | PLP/SBA Express/Export Express/EWCP |
| Western Vista FCU | thefarmersbankva.com | Cheyenne | SBA Express |
| Wyoming Bank & Trust | 53.com | Cheyenne | SBA Express |
| Wyoming Community Bank | fbvirginia.com | Lander, Riverton | SBA Express/Export Express |
| Zions Bank | firstbank.com | Jackson | |
| 504 Program & Community Advantage | |||
| Mountain West Small Business Finance | mwsbf.com | Logan, Salt Lake City (UT) | |
| Wyoming Capital Access | wyomingcapitalaccess.com | Casper | |
| Microloan Program | |||
| Wyoming Women’s Business Center | wyomingwomen.org | Laramie |
Frequently Asked Questions
Q: What are SBA loans and how do they work in Wyoming?
A: SBA loans are government-backed loans provided through approved lenders in Wyoming. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Wyoming small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Wyoming entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Wyoming businesses?
A: Wyoming businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Wyoming?
A: To qualify for an SBA loan in Wyoming, businesses typically need:
- For-profit operation based in Wyoming
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do Wyoming SBA lenders support businesses in the energy and natural resources sectors?
A: Wyoming’s resource wealth has created specialized SBA lending expertise in these sectors. Several Wyoming lenders have developed industry-specific loan packages designed for energy service providers, mining support companies, renewable energy developers, and businesses involved in the state’s evolving energy landscape. These lenders understand the unique operational considerations, equipment needs, and market dynamics of resource-based businesses and can structure loans accordingly. Some Wyoming SBA lenders coordinate with organizations like the Wyoming Mining Association, the Wyoming Energy Authority, the Enhanced Oil Recovery Institute, and the Wyoming Business Council’s energy initiatives to provide comprehensive support. These specialized lending programs have helped strengthen Wyoming’s traditional resource industries while supporting their evolution toward more diverse and sustainable operations. From energy service companies in the Powder River Basin to renewable developers in Carbon County to businesses developing carbon capture technologies, these lenders provide crucial capital that helps resource-based entrepreneurs navigate industry transitions while creating resilient business models. As Wyoming continues balancing its traditional strengths in coal, oil, and natural gas with emerging opportunities in wind, solar, and advanced energy technologies, these lenders have developed sophisticated understanding of how to evaluate resource-related business models, assess their growth potential, and structure financing that accommodates the distinctive operational patterns and capital needs of these vital sectors in Wyoming’s economy. The state’s commitment to responsible resource development combined with its growing focus on energy innovation has created a lending environment particularly attuned to the needs of businesses navigating these important transitions.
Q: Are there special SBA loan programs for Wyoming’s tourism and outdoor recreation businesses?
A: Yes, Wyoming’s natural splendor has influenced local SBA lending practices. Several Wyoming lenders offer tailored loan packages for outfitters, guides, lodging operators, adventure tourism companies, and service providers supporting the state’s vital tourism industry. These lenders understand the seasonal nature of tourism in Wyoming and can structure loans with flexible payment schedules aligned with visitor patterns. Some Wyoming SBA lenders coordinate with organizations like the Wyoming Office of Tourism, the Wyoming Lodging & Restaurant Association, and regional tourism boards to help businesses access both financing and industry support. These specialized lending programs have helped strengthen Wyoming’s position as an outdoor destination by financing businesses that showcase the state’s exceptional natural assets – from Yellowstone and Grand Teton National Parks to the Wind River Range to the Bighorn Mountains. From distinctive lodging properties in gateway communities to specialized outdoor outfitters to tour operations highlighting Wyoming’s natural and cultural heritage, these lenders have developed expertise in helping tourism entrepreneurs navigate seasonal cash flow considerations while building sustainable business models that provide authentic Wyoming experiences. As visitor interest in outdoor recreation, western heritage, and authentic experiences continues growing, these lenders provide crucial capital that helps Wyoming’s tourism entrepreneurs develop distinctive offerings that showcase the state’s exceptional landscapes and cultural heritage while creating economic opportunities in communities throughout Wyoming. The state’s identity as an outdoor paradise with vast open spaces has created a lending ecosystem particularly attuned to the needs of businesses serving visitors seeking these increasingly valued experiences.
Q: How do Wyoming SBA lenders help businesses in rural communities and small towns?
A: Wyoming’s frontier character has created specialized lending expertise for rural businesses. Several Wyoming SBA lenders offer industry-specific loan packages designed for main street retailers, service providers, and community-focused businesses throughout Wyoming’s small towns and rural areas. These lenders understand the unique challenges and opportunities of operating in low-density markets and can structure loans accordingly. Some Wyoming lenders coordinate with organizations like the Wyoming Business Council’s rural development initiatives, the Wyoming Economic Development Association, and county economic development offices to provide comprehensive support. These specialized lending programs have helped strengthen Wyoming’s rural economies by financing businesses that provide essential services, create employment opportunities, and enhance quality of life in small communities. From retail operations on historic main streets to service businesses meeting local needs to manufacturing ventures creating jobs in rural areas, these lenders have developed expertise in financing ventures that contribute to community vitality while building sustainable business models that can thrive in Wyoming’s distinctive rural environment. As rural communities continue adapting to economic transitions and changing demographics, these lenders provide crucial capital that helps entrepreneurs establish businesses that serve both local residents and visitors while creating economic anchors that help maintain Wyoming’s cherished small-town character. The state’s commitment to maintaining vibrant rural communities despite its status as America’s least populous state has created a lending ecosystem particularly sensitive to the needs of businesses serving these important but challenging markets.
Q: Can agricultural and ranching businesses in Wyoming access specialized SBA financing?
A: Yes, Wyoming’s agricultural heritage benefits from specialized SBA lending expertise. Several Wyoming lenders offer tailored loan packages for ranching operations, specialty agricultural producers, value-added processors, and agribusiness service providers. These lenders understand the seasonal nature of agriculture in Wyoming and can structure loans with flexible payment schedules aligned with production cycles. Some Wyoming SBA lenders coordinate with organizations like the Wyoming Department of Agriculture, the Wyoming Stock Growers Association, University of Wyoming Extension, and the Wyoming Business Council’s agriculture programs to provide comprehensive support. These specialized lending programs have helped strengthen Wyoming’s position as a premier livestock producer by financing businesses that represent both traditional ranching operations and innovative agricultural ventures. From multi-generational cattle ranches implementing sustainable practices to specialty producers developing niche products to businesses processing Wyoming-raised products for premium markets, these lenders have developed expertise in helping agricultural entrepreneurs navigate seasonal cash flow considerations while building sustainable business models that add value to Wyoming’s agricultural products. As consumer interest in naturally-raised, sustainable, and artisanal food products continues growing, these lenders provide crucial capital that helps Wyoming’s agricultural entrepreneurs develop distinctive products and experiences that showcase the state’s agricultural excellence while creating economic opportunities in rural communities. The state’s distinctive agricultural patterns – characterized by large-scale ranching operations alongside emerging specialty producers – have created a lending ecosystem particularly attuned to the needs of businesses in this foundational sector.
Q: How do Wyoming SBA lenders support businesses in the manufacturing and fabrication sectors?
A: Wyoming’s industrial diversification has led to specialized lending approaches for production businesses. Several Wyoming SBA lenders have developed programs specifically focused on financing manufacturers, fabricators, equipment builders, and specialized production facilities. These lenders understand the unique equipment needs, facility requirements, and operational considerations of manufacturing businesses and can structure loans accordingly. Some Wyoming lenders coordinate with organizations like Manufacturing Works (Wyoming’s Manufacturing Extension Partnership), the Wyoming Business Council’s manufacturing initiatives, and regional economic development organizations to provide comprehensive support. These specialized lending programs align with Wyoming’s economic diversification strategy by providing capital solutions that help producers invest in equipment, facilities, and workforce development. From energy equipment manufacturers in Gillette to outdoor product makers in Cody to food processors in Casper, these lenders help finance diverse manufacturing ventures that create quality employment opportunities while strengthening Wyoming’s industrial base. As manufacturing continues evolving with automation, advanced materials, and new production techniques, these lenders provide crucial capital that helps Wyoming manufacturers remain competitive while developing innovative production capabilities. The state’s commitment to expanding its manufacturing sector as part of its economic diversification strategy has created a lending ecosystem particularly focused on helping production businesses establish and grow in Wyoming despite challenges related to transportation logistics, workforce availability, and market access that can affect manufacturers in this sparsely populated state.
Q: Are there specialized SBA loan programs for Wyoming’s technology and innovation businesses?
A: Yes, Wyoming’s growing tech ecosystem has influenced local SBA lending practices. Several Wyoming SBA lenders have developed expertise in financing software developers, blockchain companies, technology service providers, and other innovation-focused businesses from Laramie’s university-connected startups to Cheyenne’s data center corridor to emerging clusters throughout the state. These lenders understand the unique capital needs, talent requirements, and growth trajectories of technology companies and can structure loans accordingly. Some Wyoming lenders coordinate with organizations like the Wyoming Technology Business Center, university innovation programs, and the Wyoming Business Council’s technology initiatives to provide comprehensive support. While early-stage startups typically rely on equity financing, SBA loans become viable options as technology companies reach revenue generation and scaling phases. These specialized lending programs have helped strengthen Wyoming’s position as an emerging technology hub by financing businesses that leverage the state’s favorable business climate, quality of life advantages, and growing focus on digital innovation. From software companies serving specialized markets to blockchain developers leveraging Wyoming’s pioneering cryptocurrency legislation to technology service providers supporting Wyoming’s traditional industries, these lenders help finance technology ventures that are creating high-skill employment opportunities while diversifying Wyoming’s economy. As the state continues building its innovation infrastructure – with particular strengths in areas like blockchain, financial technology, and natural resource technologies – these lenders provide crucial capital that helps tech entrepreneurs scale their businesses while maintaining roots in Wyoming.
Q: How do Wyoming SBA lenders support businesses owned by women and veterans?
A: Wyoming’s entrepreneurial diversity has influenced local SBA lending practices. Several Wyoming SBA lenders have developed specialized programs focused on expanding capital access for women business owners and veteran entrepreneurs throughout the state. These lenders often coordinate with organizations like the Wyoming Women’s Business Center, the Wyoming Council for Women, the Wyoming Veterans Commission, and veteran business networks to provide targeted support. Some Wyoming lenders offer mentoring connections, specialized workshops, and networking opportunities alongside their financing options. These specialized lending programs align with Wyoming’s strong military traditions and growing female entrepreneurship by providing outreach and financing structures that address the specific challenges these entrepreneurs may face. From professional service firms to retail operations to specialized contractors, these lenders help finance diverse business ventures led by women and veterans who contribute significantly to Wyoming’s economic vitality. As these demographic groups continue increasing their entrepreneurial participation, these lenders have developed expertise in helping them overcome traditional barriers to capital access while building sustainable businesses that create economic opportunities throughout Wyoming’s communities. The state’s substantial veteran population and the growing recognition of women’s entrepreneurial potential – particularly in a state where women have historically played vital roles in ranching and business operations – have created a supportive ecosystem for these business owners when paired with appropriate capital access.
Q: How do Wyoming SBA lenders support businesses in the construction and trades sectors?
A: Wyoming’s development needs have created specialized lending expertise for construction businesses. Several Wyoming lenders offer industry-specific loan packages designed for general contractors, specialty trade companies, equipment providers, and construction service firms. These lenders understand the project-based nature of construction work and can structure loans that accommodate the industry’s distinctive cash flow patterns and bonding requirements. Some Wyoming SBA lenders coordinate with organizations like the Wyoming Contractors Association, construction industry groups, and trade education programs to provide comprehensive support. These specialized lending programs have helped strengthen Wyoming’s construction economy by financing businesses that build and maintain the state’s infrastructure, commercial facilities, and residential properties. From highway contractors working on the state’s vast road network to residential builders in growing communities to specialty trade companies serving Wyoming’s distinctive construction needs, these lenders help finance construction ventures that literally build Wyoming’s future. As the state continues addressing its infrastructure needs – from transportation systems spanning great distances to facilities that can withstand Wyoming’s challenging climate – these lenders provide crucial capital that helps construction entrepreneurs secure the equipment, materials, and working capital needed to participate in these essential projects while creating significant employment opportunities in a sector that has traditionally provided solid middle-class jobs for Wyoming residents. The state’s distinctive construction challenges – from extreme weather conditions to remote project locations to specialized energy infrastructure – have created a lending ecosystem particularly attuned to the needs of builders working in these specialized environments.
Q: How do Wyoming SBA lenders support businesses in the healthcare and medical services sectors?
A: Wyoming’s rural healthcare challenges have led to specialized lending approaches for medical businesses. Several Wyoming SBA lenders have developed programs specifically focused on financing medical practices, rural health providers, telehealth services, and specialized healthcare businesses addressing Wyoming’s unique needs. These lenders understand the distinctive challenges of providing healthcare in America’s least densely populated state and can structure loans that support sustainable healthcare business models in this environment. Some Wyoming lenders coordinate with organizations like the Wyoming Hospital Association, the Wyoming Primary Care Association, and healthcare programs at the University of Wyoming to provide comprehensive support. These specialized lending programs align with Wyoming’s healthcare priorities by providing capital solutions that help healthcare entrepreneurs establish and maintain services in communities throughout the state. From primary care practices in underserved communities to specialized clinics addressing regional needs to telehealth providers extending care to remote areas, these lenders help finance healthcare ventures that improve access while creating sustainable business models. As Wyoming continues addressing its significant healthcare challenges – including provider shortages, vast distances between communities, and an aging population – these lenders provide crucial capital that helps healthcare entrepreneurs establish and grow practices and services that improve health outcomes while creating professional employment opportunities throughout the state. The distinctive challenges of providing healthcare across Wyoming’s 97,000 square miles with a population of just over 500,000 people have created a lending ecosystem particularly attuned to the needs of medical businesses serving this unique environment.
Q: How do Wyoming SBA lenders support businesses in the hospitality and food service sectors?
A: Wyoming’s distinctive character has created specialized lending expertise for hospitality businesses. Several Wyoming lenders offer industry-specific loan packages designed for restaurants, breweries, hotels, and specialized food service operations throughout the state. These lenders understand the seasonal nature of many hospitality businesses in Wyoming and can structure loans with flexible payment schedules aligned with visitor and revenue patterns. Some Wyoming SBA lenders coordinate with organizations like the Wyoming Lodging & Restaurant Association, the Wyoming Brewers Guild, and regional tourism organizations to provide comprehensive support. These specialized lending programs have helped strengthen Wyoming’s hospitality sector by financing businesses that create distinctive dining and lodging experiences that appeal to both residents and visitors. From authentic western steakhouses to craft breweries highlighting local ingredients to boutique hotels in historic buildings, these lenders help finance hospitality ventures that showcase Wyoming’s unique character while creating important gathering places that strengthen community connections. As Wyoming continues developing its reputation for authentic experiences, distinctive cuisine, and western hospitality, these lenders provide crucial capital that helps entrepreneurs create compelling food and lodging concepts that reflect local heritage and ingredients while meeting contemporary expectations for quality and service. The state’s identity as a place of genuine western experiences combined with growing interest in distinctive local food and beverage offerings has created a lending ecosystem particularly supportive of hospitality businesses that authentically represent Wyoming’s character while creating employment opportunities and enhancing quality of life in communities throughout the state.
Q: How do Wyoming SBA lenders support businesses involved in downtown revitalization and main street development?
A: Wyoming’s community heritage has led to specialized lending approaches for place-based businesses. Several Wyoming SBA lenders have developed programs specifically focused on financing retail operations, service providers, and experience-based businesses that anchor downtown districts and main streets throughout the state. These lenders understand the unique challenges and opportunities of operating in historic commercial districts and can structure loans that support both business success and community revitalization. Some Wyoming lenders coordinate with organizations like the Wyoming Main Street Program, the Wyoming Business Council’s community development initiatives, and local downtown development authorities to provide comprehensive support. These specialized lending programs align with Wyoming’s emphasis on community character by providing capital solutions that help entrepreneurs establish businesses that serve as catalysts for broader revitalization. From distinctive retail operations in historic buildings to restaurants showcasing local cuisine to service businesses meeting community needs, these lenders help finance ventures that strengthen Wyoming’s traditional town centers while creating vibrant places that attract both residents and visitors. As communities throughout the state implement strategies to maintain their distinctive character while adapting to economic changes, these lenders provide crucial capital that helps entrepreneurs establish businesses that not only succeed financially but also contribute to place-making and community identity. Wyoming’s rich architectural heritage and strong sense of place have created a lending ecosystem particularly attuned to the distinctive opportunities and challenges of businesses that simultaneously pursue commercial success and community impact through their location and operations in Wyoming’s historic downtowns and main streets.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.