Kenosha, WI · Commercial loan broker
Dawnfield Financial is a licensed commercial business-loan broker serving Kenosha, Racine, Pleasant Prairie, Somers, Mount Pleasant, Sturtevant, and Winthrop Harbor.
Get started in Kenosha: share what you need to fund, we do the lender search, and you compare offers with a local advisor. No cost to apply.
The machine shops along 52nd Street, the food processors near the Port of Kenosha, the logistics operations spreading through Pleasant Prairie, and the contractors rebuilding downtown Kenosha all carry one thing in common: capital needs that change faster than their bank's committee schedule. We broker deals for established businesses that need funding structured around revenue cycles, equipment delivery dates, or lease expirations, not around a one-size template.
Our clients typically hold two to twenty years of operating history, generate $500,000 to $25 million in annual revenue, and need $50,000 to $5 million in financing. We work with C-corporations, S-corporations, LLCs, and partnerships across manufacturing, wholesale distribution, construction trades, transportation, healthcare services, and professional practices. If you're writing paychecks in Kenosha County or Racine County and need capital that fits how your business actually runs, you're in scope.
We do not broker consumer loans, residential mortgages, or startup funding for pre-revenue ventures. We are not a lender. We are a broker who knows which lenders will close your deal and which will waste three weeks before declining.
Loan programs
remain the backbone for Kenosha businesses buying commercial real estate, acquiring a competitor, or refinancing expensive debt. These federally guaranteed loans stretch repayment over ten to twenty-five years, lowering monthly obligations and freeing cash flow for payroll and inventory.
Learn moreputs CNC machines, delivery trucks, forklifts, and production lines on your floor without draining working capital. Lenders use the equipment itself as collateral, which often makes approval faster than unsecured options.
Learn morecover payroll during seasonal dips, fund inventory builds before peak season, or bridge the gap when a major customer stretches payment terms from thirty to sixty days. These loans are structured as term loans or lines of credit, depending on whether the need is one-time or recurring.
Learn morefinance the purchase of warehouses, office buildings, and industrial facilities across Kenosha, Somers, and Racine. Owner-occupied properties typically qualify for SBA 7(a) or SBA 504 structures; investment properties require conventional commercial mortgages.
Learn moregive you a pre-approved borrowing limit you draw against as needed, paying interest only on the outstanding balance. Kenosha contractors use these to cover material purchases before progress payments arrive; distributors use them to stock up when suppliers offer early-pay discounts.
Learn moreconverts unpaid invoices into immediate cash, usually within 24 to 48 hours. If your Kenosha business sells to creditworthy commercial customers on net-30 or net-60 terms, factoring turns those receivables into operating cash without adding debt to your balance sheet.
Learn moreWhy us
Kenosha sits at the intersection of Chicago's northern industrial sprawl and Milwaukee's southern manufacturing belt, which means your business competes on speed and specialization, not just price. The companies that thrive here are the ones that can say yes to a short-lead custom order, double a production shift when demand spikes, or acquire a competitor's client list before someone else does. All of those moves require capital, and all of them happen faster than a traditional bank's underwriting calendar allows.
We broker business loans kenosha companies use because we understand the timing. The Port of Kenosha's project cargo operations create opportunities for rigging contractors, freight forwarders, and logistics firms, but those opportunities close in weeks, not months. The food-manufacturing cluster around 30th Avenue runs on seasonal contracts that require inventory builds in July for October delivery. The tool-and-die shops serving automotive and aerospace clients need to commit to new CNC equipment before the purchase order is even signed, because lead times stretch six months or more.
When you call Dawnfield Financial at (262) 261-9512, you reach someone who has closed deals for Kenosha businesses a hundred times and knows which lenders will move on your timeline. We know that "fast" means different things to different industries: a contractor needs an answer in 72 hours, a manufacturer buying a building can wait three weeks, and a distributor factoring invoices wants cash tomorrow. We match the program and the lender to the clock your business runs on.
How it works
You call (262) 261-9512 or stop by our office at 3535 30th Ave, Kenosha, WI 53144 and describe what you need the capital for, how much, and when. We ask about revenue, time in business, existing debt, and collateral. This conversation takes fifteen to thirty minutes and costs nothing.
We outline two or three program options, explain the trade-offs, and recommend the structure that fits your situation. You decide which path to pursue. We do not push products that pay us higher commissions. We broker the deal you need, not the deal we want to sell.
We collect financials (tax returns, profit-and-loss statements, balance sheets, bank statements), prepare the application package, and submit it to lenders we know will close your type of deal. We handle follow-up questions, coordinate third-party reports (appraisals, environmental assessments, equipment inspections), and keep the process moving.
The lender issues a commitment letter. We review it with you, flag any terms that need negotiation, and coordinate closing with your attorney, accountant, and any other parties. You sign, funds transfer, and you put the capital to work.
Timeline varies by program: equipment financing and invoice factoring can close in days, working capital and lines of credit typically take one to three weeks, SBA 7(a) and commercial real estate loans run three to eight weeks depending on complexity and third-party reports.
Banks and direct lenders offer the programs they own, which means you get the solution they have, not necessarily the solution you need. Brokers survey the entire market, match your situation to the lenders most likely to approve it, and negotiate on your behalf because our reputation depends on closing deals, not just taking applications.
We also handle the paperwork. Lenders want three years of business tax returns, year-to-date financials, personal financial statements, a narrative explaining what the money is for, and often a dozen supplemental documents. We know what each lender requires, how they want it formatted, and which details matter most in underwriting. You run your business; we run the application process.
Our compensation comes from the lender at closing, structured as a broker fee paid out of the loan proceeds. You do not write us a separate check. You do not pay us anything if the loan does not close. This aligns our incentive with yours: we get paid when you get funded.
Service area
While our office is in Kenosha, we broker business funding throughout the corridor. Our service area includes Somers, Racine, Pleasant Prairie, Mount Pleasant, Sturtevant, and Winthrop Harbor. If you're within a twenty-minute drive of our office, we know your market, your competition, and the lenders who close deals in your area. Visit our service areas page for the full list.
Dawnfield Financial is a licensed commercial business-loan broker, not a lender. We do not fund loans from our own balance sheet. We do not set interest rates, approve applications, or service the debt after closing. We match Kenosha-area businesses with lenders, prepare applications, negotiate terms, and manage the process through funding. Our only product is access and execution. Learn more on our about page.
Our office at 3535 30th Ave, Kenosha, WI 53144 is open by appointment. Call (262) 261-9512 to discuss your small business loans kenosha situation, whether you need equipment financing this month, a line of credit before peak season, or an SBA 7(a) loan to buy your building next quarter. We have closed deals for machine shops, food processors, contractors, distributors, and service companies across every corridor in Kenosha County, and we know which lenders will say yes to yours.
For detailed program information, see our pages on SBA 7(a) loans, equipment financing, and working capital. For city-specific context, visit our Kenosha business loans city hub.
What owners say
They explained exactly what the lender wanted before we applied, so there were no surprises.
Straight answers and no runaround. We finally understood our options.
They packaged our file properly and took it to the right people the first time.
Local, responsive, and honest about what would and wouldn't work for us.
Walked us through the whole process in plain English and kept us updated.
Told us upfront what to fix before applying, which saved us a hard pull.
Individual client experiences; results vary by business and program.
Serving the Kenosha area
We know which lenders fund which kinds of Kenosha businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Market context
We match manufacturers, distributors, contractors, and service companies with lenders offering SBA 7(a) loans, equipment financing, working capital, commercial real estate financing, business lines of credit, invoice factoring, and specialty programs. Nationally, the numbers below tell a similar story:
There are more than 33 million small businesses in the United States.
SBA Office of AdvocacyMost firms that apply for financing seek $100,000 or less.
Federal Reserve Small Business Credit SurveyAbout half of applicant firms sought funds mainly to cover operating expenses.
Federal Reserve Small Business Credit SurveyNational data, reviewed 2026, figures from primary sources.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Learn moreWhy Kenosha owners trust Dawnfield Financial
