First National Bank of Omaha

This is a financial institution offering SBA loan programs designed to help small businesses access funding for growth, working capital, and other needs, with personalized service and expert guidance.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also accommodated depending on availability.

Standard hours are typically Monday through Friday from 9 am to 5 pm, but it's best to contact the branch directly for specific hours.

There may be application and processing fees associated with SBA loans, which vary depending on the loan program and amount.

The bank primarily serves residents and businesses within its regional area, but SBA loan programs are available to qualified small business applicants nationwide.

A minimum personal credit score of around 640 is typically preferred, but other factors such as business performance also influence approval.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

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

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

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

You can reach First National Bank of Omaha by phone at (402) 602-3021 or online at fnbo.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 First National Bank of Omaha before relying on them.

Based on its approved SBA loans, First National Bank of Omaha most often finances businesses in restaurants & food service, construction & contractors, general retail, manufacturing, medical practices & clinics, and salons, spas & personal care. This reflects First National Bank of Omaha'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 First National Bank of Omaha 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 First National Bank of Omaha participates in SBA Express depends on its specific SBA lending authority. Contact First National Bank of Omaha and ask if it offers SBA Express and what the current limits and terms look like for your situation.

First National Bank of Omaha holds SBA Preferred Lender (PLP) designation, enabling in-house credit decisions for faster approvals—confirm current status with the bank.

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. First National Bank of Omaha's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First National Bank of Omaha 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 First National Bank of Omaha 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 First National Bank of Omaha 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 First National Bank of Omaha 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. First National Bank of Omaha weighs this case by case under its own policy, so be upfront about your history and ask First National Bank of Omaha how it evaluates prior bankruptcies.