Centris Federal Credit Union
Centris Federal Credit Union is an active SBA lender in Nebraska, a credit union offering SBA-guaranteed small-business loans. Currently rated 3.8 stars across 64 Google reviews.
$20M
in SBA approvals since 2010
136
SBA loans funded
Construction & Contractors · Restaurants & Food Service · Cleaning, Landscaping & Janitorial
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Centris Federal Credit Union
Centris Federal Credit Union offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. As a trusted financial institution, it provides various loan options, including SBA 7(a) loans, to help entrepreneurs access the capital they need with competitive terms and personalized service. The credit union specializes in serving small business clients across diverse industries, offering flexible financing solutions that align with their unique goals and challenges. With a focus on building strong relationships, it guides borrowers through the application process, ensuring clarity and support at every step. Whether you're looking to purchase equipment, expand your premises, or manage cash flow, this lender provides the expertise and resources to help your business succeed. Its experienced team is dedicated to understanding your business needs and delivering tailored lending options that meet your financial objectives. The institution emphasizes community involvement and financial education, fostering long-term growth for its clients and the local economy. For business owners in the Omaha area and beyond, this lender stands out as a reliable partner committed to helping small businesses thrive through accessible SBA financing programs.
Serves SBA borrowers in 2 states
Centris Federal Credit Union has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Centris Federal Credit Union finances
Business types Centris Federal Credit Union actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Centris Federal Credit Union
What is this place and what can I find here?
This is a financial institution offering SBA lending services to small businesses. You can find information about loan options, application processes, and support for business growth and expansion.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability. Contact the branch ahead of your visit for the best experience.
What are the hours of operation?
Centris Federal Credit Union's Omaha branch (343 N 114th St) operates Monday–Friday 9:00 a.m. – 5:30 p.m. (lobby) and 7:30 a.m. – 6:00 p.m. (drive-thru), Saturday 9:00 a.m. – 1:00 p.m., and is closed Sundays. Please confirm with the branch directly.
Is there a fee to use this?
There are no fees for accessing basic information or initial consultations. Loan origination and service fees may apply depending on the specific financing arrangement.
Who is this open to — anyone, or only residents/members?
This institution primarily serves members of the credit union, which includes residents of the Omaha area and eligible community members. Business clients outside the membership may need to meet specific criteria.
What minimum personal credit score does this lender look for in a guarantor?
While specific requirements vary, a good personal credit score of at least 650 is generally preferred for loan approval. The institution evaluates each application on a case-by-case basis.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of required documentation.
Is this open on weekends?
Yes, Centris Federal Credit Union's Omaha location is open Saturdays 9:00 a.m. to 1:00 p.m. (both lobby and drive-thru) and closed on Sundays. Verify with the branch for holiday adjustments.
How do I get there and where do I park?
Centris Federal Credit Union is located in Nebraska — see the contact card for the full address. Most credit union 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 Centris Federal Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Centris Federal Credit Union itself, which runs its own lending under its own ownership. If you work at Centris Federal Credit Union, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Centris Federal Credit Union — 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 Centris Federal Credit Union before applying. If you represent Centris Federal Credit Union, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact Centris Federal Credit Union at (402) 334-7000, email centris@centrisfcu.org, or use their contact form at centrisfcu.org/about-us/contact/. Please confirm with the lender.
What core industries does this lender traditionally choose to finance?
Based on its approved SBA loans, Centris Federal Credit Union most often finances businesses in construction & contractors, general retail, restaurants & food service, wholesale & distribution, and transportation & trucking. This reflects Centris Federal Credit Union'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 Centris Federal Credit Union which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this lender?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Centris Federal Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact Centris Federal Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this lender 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 credit unions hold PLP status, but it varies by institution. Centris Federal Credit Union can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this lender?
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. Centris Federal Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Centris Federal Credit Union 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 Centris Federal Credit Union what down payment it expects for your specific commercial real estate purchase.
Does this lender 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 Centris Federal Credit Union to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this lender 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 Centris Federal Credit Union 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. Centris Federal Credit Union weighs this case by case under its own policy, so be upfront about your history and ask Centris Federal Credit Union how it evaluates prior bankruptcies.
