Dayspring Bank

This is a bank that specializes in SBA loans, providing small businesses with funding options such as the 7(a) program. You can find assistance with loan applications, guidance on eligibility, and support for various business financing needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to confirm hours directly with the branch before visiting.

There are no fees for initial consultations, but loan application and processing may involve fees that are disclosed during the application process.

This bank primarily serves small business owners in the region, but eligibility for SBA loans is based on business criteria rather than residency alone.

A minimum personal credit score of 640 is generally preferred, though higher scores can improve the likelihood of approval.

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

Most banks keep weekday business hours and are closed on weekends, and Dayspring 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 Dayspring Bank to confirm current weekend availability before you go.

Dayspring 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.

This page is an independent directory listing for Dayspring Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Dayspring Bank itself, which runs its own lending under its own ownership. If you work at Dayspring Bank, you can claim this listing from this page to manage it.

The core details for Dayspring 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 Dayspring Bank before applying. If you represent Dayspring Bank, claim this listing to keep its information up to date.

You can reach Dayspring Bank by phone at (308) 537-3684 or online at dayspring.bank — 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 Dayspring Bank before relying on them.

Based on its approved SBA loans, Dayspring Bank most often finances businesses in restaurants & food service, construction & contractors, general retail, and wholesale & distribution. This reflects Dayspring Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Dayspring Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Dayspring Bank participates in SBA Express depends on its specific SBA lending authority. Contact Dayspring Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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. Dayspring Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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. Dayspring Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Dayspring Bank directly whether it considers start-up loans.

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 Dayspring Bank what down payment it expects for your specific commercial real estate purchase.

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 Dayspring Bank to spell out any prepayment penalties before you sign.

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 Dayspring Bank to confirm it qualifies and how to document it.

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. Dayspring Bank weighs this case by case under its own policy, so be upfront about your history and ask Dayspring Bank how it evaluates prior bankruptcies.