First Nebraska Bank

This is a financial institution offering SBA loan programs and business financing options designed to support small and medium-sized businesses. You can find assistance with loans for expansion, equipment, and working capital, along with expert guidance throughout the application process.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Calling ahead can help you prepare and streamline your visit.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment. It's best to contact the branch directly for specific hours or to schedule a meeting.

There are no fees to access basic information or consultation services. However, loan processing and closing may involve standard fees associated with SBA loans, which will be disclosed upfront.

This bank primarily serves local residents and businesses in the Valley, NE area, but offers SBA lending programs that can support eligible businesses nationwide.

A minimum personal credit score of 620 is generally required, though higher scores may improve approval chances and loan terms.

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

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

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

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

You can reach First Nebraska Bank by phone at (402) 359-2281 or online at firstnebraskabank.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 Nebraska Bank before relying on them.

Based on its approved SBA loans, First Nebraska Bank most often finances businesses in manufacturing. This reflects First Nebraska 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 First Nebraska Bank 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 Nebraska Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Nebraska 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. First Nebraska 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. First Nebraska Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Nebraska 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 First Nebraska 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 First Nebraska 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 First Nebraska 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. First Nebraska Bank weighs this case by case under its own policy, so be upfront about your history and ask First Nebraska Bank how it evaluates prior bankruptcies.