Nebraska Bank of Commerce

This is a financial institution that offers SBA loan programs and small business financing solutions. You can find assistance with loan applications, funding options, and expert guidance to help grow your business.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

Nebraska Bank of Commerce's main lobby is open Monday through Friday from 8:30 AM to 5:00 PM, with drive-thru service available weekdays 7:30 AM to 6:00 PM (through 12/31/2025). Please confirm current hours directly with the bank.

There are fees associated with loan processing and closing, which vary depending on the loan type and amount.

This bank primarily serves small business owners in Nebraska, but eligibility depends on meeting specific loan criteria.

A minimum personal credit score of 620 is generally required for loan qualification.

The underwriting process typically takes 30 to 45 days, depending on the complexity of the loan and completeness of documentation.

Nebraska Bank of Commerce is open on Saturdays by appointment, with drive-thru service available Saturday morning (8:30 AM - 12:00 PM at main location). Contact the bank to confirm Saturday availability.

The Downtown location (250 N 14th Street, Lincoln) offers metered parking on the west side and free parking in the Amigos/NBC shared lot to the east. Contact Nebraska Bank of Commerce for parking details at other locations.

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

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

You can reach Nebraska Bank of Commerce by phone at (402) 423-2111 or online at thenbcbank.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 Nebraska Bank of Commerce before relying on them.

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