First State Bank Nebraska

This is a commercial bank that offers SBA loan programs designed to support small and medium-sized businesses in Nebraska, including 7(a) and 504 loans. You can find personalized financing options, expert guidance, and resources to help your business grow and succeed.

It's 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 streamline your visit and prepare necessary documentation.

The bank operates from 8:30 AM to 5:00 PM, Monday through Friday. It's best to call ahead to confirm hours or schedule an appointment.

There are no fees for accessing general banking services, but SBA loan applications may include processing and guarantee fees. These are typically disclosed during the application process.

This bank primarily serves businesses and residents in Nebraska, focusing on supporting local economic growth. Non-residents may need to meet certain criteria to qualify for specific loan programs.

A minimum personal credit score of around 640 is generally preferred, but the exact requirement may vary based on the loan type and borrower profile.

The underwriting process typically 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 State Bank Nebraska 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 State Bank Nebraska to confirm current weekend availability before you go.

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

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

You can reach First State Bank Nebraska by phone at (402) 420-5200 or online at 1fsb.bank — 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 State Bank Nebraska before relying on them.

Based on its approved SBA loans, First State Bank Nebraska most often finances businesses in construction & contractors, restaurants & food service, medical practices & clinics, general retail, transportation & trucking, and manufacturing. This reflects First State Bank Nebraska'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 State Bank Nebraska which sectors it actively lends to before you apply.

First State Bank Nebraska offers SBA Express loans for streamlined financing focused on working capital, equipment, or short-term needs. Please confirm terms and application details with the bank.

First State Bank Nebraska holds Preferred Lender status with the U.S. Small Business Administration, enabling faster in-house loan approvals. Please verify current PLP 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 State Bank Nebraska's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First State Bank Nebraska 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 State Bank Nebraska 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 State Bank Nebraska 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 State Bank Nebraska 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 State Bank Nebraska weighs this case by case under its own policy, so be upfront about your history and ask First State Bank Nebraska how it evaluates prior bankruptcies.