Foundation One Bank
Foundation One Bank is an active SBA lender in Nebraska, a bank offering SBA-guaranteed small-business loans. Currently rated 3.8 stars across 6 Google reviews.
$23M
in SBA approvals since 2010
47
SBA loans funded
General Retail · Real Estate & Property Management · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Foundation One Bank
Foundation One Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth and development. With a focus on supporting local businesses, the bank provides a variety of loan options, including SBA 7(a) loans, to help fund expansion, equipment purchase, or working capital needs. Their experienced team guides clients through the application process, ensuring clarity and efficiency. The bank specializes in serving the retail sector, particularly businesses within the NAICS code 445110, which includes grocery stores and specialty food shops. They are committed to fostering economic growth in the Waterloo, NE area by providing accessible financing solutions. Whether you're a startup or an established business, Foundation One Bank strives to deliver personalized service to meet your unique financial requirements. Their loan offerings are designed to be flexible, with competitive rates and terms to support your business objectives. The bank's community-oriented approach ensures that clients receive attentive support from application to funding completion, making them a trusted partner for small business success.
Industries Foundation One Bank finances
Business types Foundation One Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Foundation One Bank
What is this place and what can I find here?
This is a community-focused SBA lender offering financing solutions for small businesses, including SBA 7(a) loans. You can find information about loan options, application processes, and support services here.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.
What are the hours of operation?
Foundation One Bank's lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, with extended drive-thru service from 8:00 AM to 5:00 PM on weekdays. Please confirm current hours with the branch directly at (402) 779-2545.
Is there a fee to use this?
There are no fees for accessing general information, but loan applications may involve processing and closing costs depending on the loan terms.
Who is this open to — anyone, or only residents/members?
This service is primarily available to small businesses within the Waterloo, NE region, but eligibility depends on meeting loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is typically required for guarantors.
How long does the traditional underwriting process take from start to close?
The underwriting process usually takes approximately 30 to 45 days, depending on the completeness of your application and documentation.
Is this open on weekends?
Foundation One Bank's Maple and Waterloo locations offer limited Saturday hours: drive-thru service from 9:00 AM to 12:00 PM. The Lakeside location does not list Saturday hours. Confirm weekend availability with your nearest branch.
How do I get there and where do I park?
Foundation One 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 Foundation One Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Foundation One Bank itself, which runs its own lending under its own ownership. If you work at Foundation One Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Foundation One 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 Foundation One Bank before applying. If you represent Foundation One Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Foundation One Bank by phone at (402) 779-2545 or online at foundationonebank.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 Foundation One Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Foundation One Bank most often finances businesses in general retail, restaurants & food service, and construction & contractors. This reflects Foundation One 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 Foundation One 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 Foundation One Bank participates in SBA Express depends on its specific SBA lending authority. Contact Foundation One 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. Foundation One 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. Foundation One Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Foundation One 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 Foundation One 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 Foundation One 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 Foundation One 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. Foundation One Bank weighs this case by case under its own policy, so be upfront about your history and ask Foundation One Bank how it evaluates prior bankruptcies.
