Bruning Bank
Bruning Bank is an active SBA lender in Nebraska, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 2 Google reviews.
About Bruning Bank
Bruning Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides various loan options including the SBA 7(a) program, which is ideal for a wide range of business purposes such as working capital, equipment purchase, or real estate acquisition. The bank's experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Located in Bruning, Nebraska, this community-focused bank emphasizes building strong relationships with local entrepreneurs and business owners. They support businesses with flexible terms and competitive rates, making it easier for small businesses to access the capital they need to succeed. Whether you're a startup or an established company, Bruning Bank is committed to helping you achieve your business goals with tailored financial solutions and expert advice. Their SBA lending program is designed to support the unique needs of local industries, especially in the retail, manufacturing, and service sectors. The bank's dedication to customer service and community development makes them a trusted partner for small business financing in the region.
Common questions about Bruning Bank
What is this place and what can I find here?
This is a community-focused bank offering SBA loan programs and personalized financial services designed to support small businesses in Nebraska. You can find assistance with business loans, growth capital, and expert advice tailored to your needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates from 8:30 AM to 4:30 PM, Monday through Friday.
Is there a fee to use this?
There are no fees to access basic consultation services, but loan processing may involve standard application and closing fees.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners and residents of Nebraska, with a focus on local community support.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally preferred, though other factors may also be considered.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes around 30 to 45 days, depending on the completeness of your application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Bruning Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Bruning Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
Bruning Bank is located in Nebraska — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Bruning Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bruning Bank itself, which runs its own lending under its own ownership. If you work at Bruning Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bruning Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bruning Bank before applying. If you represent Bruning Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Bruning Bank by phone at (402) 353-2555 or online at bruningbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Bruning Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Bruning Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Bruning Bank directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bruning Bank participates in SBA Express depends on its specific SBA lending authority. Contact Bruning Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Bruning Bank can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Bruning Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bruning Bank directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bruning Bank what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bruning Bank to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bruning Bank to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bruning Bank weighs this case by case under its own policy, so be upfront about your history and ask Bruning Bank how it evaluates prior bankruptcies.
