Cattle Bank & Trust
Cattle Bank & Trust is an active SBA lender in the United States, a bank offering SBA-guaranteed small-business loans. Currently rated 3.7 stars across 7 Google reviews.
$7M
in SBA approvals since 2012
10
SBA loans funded
Hotels & Lodging · Real Estate & Property Management · Mental Health Services
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Cattle Bank & Trust
Cattle Bank & Trust offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and development. With a focus on small business needs, the bank provides various loan programs, including SBA 7(a) loans, to help fund expansion, equipment purchases, and working capital. Their experienced team guides clients through the application process, ensuring a smooth experience from initial inquiry to loan closing. Located in Seward, Nebraska, they serve local businesses as well as those in surrounding regions, emphasizing personalized service and flexible financing options. The bank supports businesses across multiple industries, with particular strength in service-oriented sectors. Whether you're a startup or an established enterprise, Cattle Bank & Trust aims to facilitate your business goals with tailored financial solutions and expert advice. Their commitment to small business success is reflected in their extensive SBA program support and community-focused approach.
Common questions about Cattle Bank & Trust
What is this place and what can I find here?
This is a local bank specializing in SBA loans and small business financing, offering personalized support to help your business grow.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 8:30 AM to 5:00 PM, with additional hours by appointment.
Is there a fee to use this?
There are no fees to visit or consult; fees are associated with loan processing and closing costs as applicable.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small businesses in Nebraska, focusing on local entrepreneurs and community members.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 650 is generally required for loan qualification.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan application.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Cattle Bank & Trust 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 Cattle Bank & Trust to confirm current weekend availability before you go.
How do I get there and where do I park?
Cattle Bank & Trust is located at the address listed on this page — 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 Cattle Bank & Trust, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Cattle Bank & Trust itself, which runs its own lending under its own ownership. If you work at Cattle Bank & Trust, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Cattle Bank & Trust — 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 Cattle Bank & Trust before applying. If you represent Cattle Bank & Trust, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Cattle Bank & Trust by phone at (402) 643-4545 or online at cattlebank.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 Cattle Bank & Trust before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Cattle Bank & Trust 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 Cattle Bank & Trust 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 Cattle Bank & Trust participates in SBA Express depends on its specific SBA lending authority. Contact Cattle Bank & Trust 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. Cattle Bank & Trust 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. Cattle Bank & Trust's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Cattle Bank & Trust 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 Cattle Bank & Trust 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 Cattle Bank & Trust 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 Cattle Bank & Trust 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. Cattle Bank & Trust weighs this case by case under its own policy, so be upfront about your history and ask Cattle Bank & Trust how it evaluates prior bankruptcies.