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Business Development
Related Resources

Reporter Contacts
(608) 267-4417

Central Building Location:
201 W. Washington Ave.
Madison, WI 53703
View map / get directions

Mailing Address:
P.O. Box 7970
Madison, WI 53707-7970

Office of Governor
Scott Walker
Link to Governor Walkers's web site
 
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IMPORTANT: As of July 1st, 2011, functions once performed by the Wisconsin Department of Commerce have been moved to other state agencies and the Wisconsin Economic Development Corporation. The former Commerce web site will continue to exist for the next several months as resources are moved to new web site locations. We will make every attempt possible to direct our users to the new locations as web resources are moved.

Business Development

BUREAU OF BUSINESS FINANCE

STANDARD UNDERWRITING CRITERIA

The following criteria are used in underwriting all programs administered by the Bureau of Business Finance.

VIABILITY - The level of risk as determined by the five C's of credit:

  • Character - Management capability
  • Capacity - Ability to repay from cash flow
  • Capital - Ability to absorb unexpected costs, e.g., personal net worth
  • Collateral - assets securing Commerce funds
  • Conditions - general and specific market/economic conditions

FULL-TIME JOB CREATION/RETENTION

PART-TIME JOB CREATION/RETENTION

EMPLOYEE WAGES

EMPLOYEE BENEFITS

TOTAL COMPANY INVESTMENT IN WISCONSIN

TARGETED BUSINESS (Company Demographics) - minority owned, women owned, small business, rural business, agribusiness

TARGETED HIRES (Employee Demographics) - Low and Moderate Income, minority, women, persons with disabilities, W-2 recipients, unemployed, etc.

TARGETED LOCATION (Area Demographics) - high unemployment, high % of W-2 recipients, declining population, declining property values, low median household income, significant layoffs, development zone, enterprise development zone, etc.

COMMUNITY BENEFIT - spin off jobs/businesses, positive impact upon local businesses

COMPETITION - are Commerce funds going to have a negative impact upon a competing local business.