Washington County Bank

This is a local bank offering SBA loan programs designed to support small businesses with financing options like 7(a) loans. You can find personalized service, expert guidance, and competitive loan terms tailored to your business 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 streamline your visit.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM. Special hours may apply on holidays, so it's best to contact them in advance.

There are no fees to inquire about SBA loans, but there may be application and closing costs associated with the loan process. These fees are transparently disclosed during the application process.

This bank primarily serves small business owners and entrepreneurs in the Blair region, but they welcome inquiries from qualified applicants within their service area.

A minimum personal credit score of around 640 is generally preferred, though higher scores may improve loan terms and approval chances.

The underwriting process typically takes 2 to 4 weeks, depending on the completeness of your application and the complexity of your financial situation.

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

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

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

You can reach Washington County Bank by phone at (402) 426-2111 or online at wcbank.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 Washington County Bank before relying on them.

Like most SBA lenders, Washington County 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 Washington County Bank directly which industries 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 Washington County Bank participates in SBA Express depends on its specific SBA lending authority. Contact Washington County 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. Washington County 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. Washington County Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Washington County 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 Washington County 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 Washington County 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 Washington County 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. Washington County Bank weighs this case by case under its own policy, so be upfront about your history and ask Washington County Bank how it evaluates prior bankruptcies.