Exchange Bank
Exchange Bank is an active SBA lender in Nebraska, a bank offering SBA-guaranteed small-business loans. Currently rated 4.4 stars across 21 Google reviews.
$24M
in SBA approvals since 2011
39
SBA loans funded
Automotive Repair & Services · Construction & Contractors · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Exchange Bank
Exchange Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on the local Kearney community, this institution provides a range of loan options including SBA 7(a) and other government-backed programs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank specializes in small business financing, helping entrepreneurs access capital with favorable terms and competitive rates. Whether you're starting a new venture or expanding an existing business, Exchange Bank is committed to supporting your financial goals with personalized service and expertise.
Serves SBA borrowers in 2 states
Exchange Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Exchange Bank finances
Business types Exchange Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Exchange Bank
What is this place and what can I find here?
This is a local bank offering SBA loan programs and small business financing options. You can find assistance with business loans, guidance through the application process, and personalized support for your financial needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
The Kearney branch lobby is open Monday through Friday 8:00 AM to 5:00 PM, with Saturday hours 8:00 AM to 12:00 PM. The drive-up window operates Monday through Friday 8:00 AM to 6:00 PM and Saturday 8:00 AM to 12:00 PM. Confirm current hours with Exchange Bank.
Is there a fee to use this?
There are no fees to access basic consultation services, but loan application and processing may involve standard fees and charges.
Who is this open to — anyone, or only residents/members?
This bank primarily serves small business owners in the Kearney region, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum credit score of 650 is preferred, but approval depends on overall financial health and business viability.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between two to four weeks, depending on the complexity of the application and completeness of documentation.
Is this open on weekends?
Yes, the Kearney branch is open on Saturday from 8:00 AM to 12:00 PM for both lobby and drive-up service. Confirm current weekend hours with Exchange Bank.
How do I get there and where do I park?
Exchange 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.
Who owns or operates this listing?
This page is an independent directory listing for Exchange Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Exchange Bank itself, which runs its own lending under its own ownership. If you work at Exchange Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Exchange 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 Exchange Bank before applying. If you represent Exchange Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Exchange Bank by phone at (308) 237-7711 or email info@eb-us.com. For SBA loans, contact their business lending team. Confirm current contact methods with the bank.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Exchange Bank most often finances businesses in medical practices & clinics. This reflects Exchange 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 Exchange Bank which sectors 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 Exchange Bank participates in SBA Express depends on its specific SBA lending authority. Contact Exchange Bank 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. Exchange Bank 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. Exchange Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Exchange Bank 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 Exchange Bank 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 Exchange Bank 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 Exchange Bank 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. Exchange Bank weighs this case by case under its own policy, so be upfront about your history and ask Exchange Bank how it evaluates prior bankruptcies.
