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First Nebraska Bank

First Nebraska Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financing solutions. With a focus on supporting local entrepreneurs, the bank provides various SBA loan programs, including the popular 7(a) program, to help fund business expansion, equipment purchases, or working capital needs. The bank’s experienced lending team works closely with clients to understand their unique financial situations and craft customized loan packages that meet their growth objectives. Their SBA loans are designed to be flexible and accessible, making it easier for businesses to secure the capital they need to thrive. Whether you’re a startup or an established enterprise, First Nebraska Bank is committed to guiding you through the loan process, ensuring clarity and support at every step. They also offer expertise in handling larger approval amounts, with the largest recorded approval reaching over $1 million. Located conveniently in Valley, NE, the bank is dedicated to serving the local business community while providing nationwide lending capabilities through SBA programs.

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Lender Type

Commercial Bank

Google Rating

4.9

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Question 1

What is this place and what can I find here?

Answer 1

This is a financial institution offering SBA loan programs and business financing options designed to support small and medium-sized businesses. You can find assistance with loans for expansion, equipment, and working capital, along with expert guidance throughout the application process.

Question 2

Do I need an appointment or can I walk in?

Answer 2

It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Calling ahead can help you prepare and streamline your visit.

Question 3

What are the hours of operation?

Answer 3

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment. It"s best to contact the branch directly for specific hours or to schedule a meeting.

Question 4

Is there a fee to use this?

Answer 4

There are no fees to access basic information or consultation services. However, loan processing and closing may involve standard fees associated with SBA loans, which will be disclosed upfront.

Question 5

Who is this open to — anyone, or only residents/members?

Answer 5

This bank primarily serves local residents and businesses in the Valley, NE area, but offers SBA lending programs that can support eligible businesses nationwide.

Question 6

What minimum personal credit score does this bank look for in a guarantor?

Answer 6

A minimum personal credit score of 620 is generally required, though higher scores may improve approval chances and loan terms.

Question 7

How long does the traditional underwriting process take from start to close?

Answer 7

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and the completeness of the application.

First Nebraska Bank

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