Bank of the Valley

This is a community-focused bank offering SBA loan programs and financial services tailored for small businesses in the region. You can find support for business expansion, equipment financing, and working capital needs. Their team provides expert guidance to help you navigate the loan process smoothly.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help you prepare for your visit and streamline the process.

Bank of the Valley's customer service hours are Monday through Friday, 8:00 AM to 5:00 PM. Please confirm current hours directly with the bank.

There are no fees for initial consultations; however, loan processing and closing fees may apply depending on the loan terms. These fees are disclosed upfront during the application process.

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

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

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of the application.

Select Bank of the Valley branch locations offer drive-thru service on Saturdays; the lobby is available by appointment only on weekends. Contact your nearest branch to confirm availability.

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

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

You can reach Bank of the Valley by phone at (402) 538-3025 or online at bankofthevalley.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 Bank of the Valley before relying on them.

Like most SBA lenders, Bank of the Valley 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 Bank of the Valley 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 Bank of the Valley participates in SBA Express depends on its specific SBA lending authority. Contact Bank of the Valley 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. Bank of the Valley can confirm its current PLP standing — ask before you apply if speed matters to you.

Bank of the Valley works with new business startups and can assist with SBA lending to help you through the startup process. Contact the bank's business lending team to discuss your specific startup needs.

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