Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company is an active SBA lender in Nebraska, a bank offering SBA-guaranteed small-business loans. Currently rated 5.0 stars across 7 Google reviews.
About Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company offers comprehensive SBA lending services tailored to meet the needs of small businesses in the region. With a focus on supporting local entrepreneurs, the bank provides various loan options, including SBA 7(a) loans, to help fund business expansion, equipment purchase, or working capital. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Broken Bow, NE, the bank specializes in serving the local business community with personalized service and flexible financing solutions. They are committed to fostering economic growth and helping small businesses succeed by leveraging SBA programs designed for diverse industry needs. Whether you're starting a new venture or expanding an existing business, Nebraska State Bank and Trust Company is dedicated to providing the financial tools necessary for your success.
Common questions about Nebraska State Bank and Trust Company
What is this place and what can I find here?
This is a local bank that offers SBA loan programs and financial services tailored for small businesses in Nebraska.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates from 9 AM to 5 PM, Monday through Friday.
Is there a fee to use this?
There may be application and processing fees depending on the loan type; consult with the bank for specifics.
Who is this open to — anyone, or only residents/members?
This service is primarily open to small business owners in Nebraska seeking SBA financing.
What minimum personal credit score does this bank look for in a guarantor?
Typically, a minimum personal credit score of 650 is preferred, but it can vary based on the loan and applicant profile.
How long does the traditional underwriting process take from start to close?
The underwriting process usually takes between 30 to 60 days, depending on the complexity of the application.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Nebraska State Bank and Trust Company 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 Nebraska State Bank and Trust Company to confirm current weekend availability before you go.
How do I get there and where do I park?
Nebraska State Bank and Trust Company 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 Nebraska State Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Nebraska State Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at Nebraska State Bank and Trust Company, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Nebraska State Bank and Trust Company — 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 State Bank and Trust Company before applying. If you represent Nebraska State Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Nebraska State Bank and Trust Company by phone at (308) 872-6148 or online at nesb.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 Nebraska State Bank and Trust Company before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Nebraska State Bank and Trust Company can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Nebraska State Bank and Trust Company directly which industries 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 Nebraska State Bank and Trust Company participates in SBA Express depends on its specific SBA lending authority. Contact Nebraska State Bank and Trust Company 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. Nebraska State Bank and Trust Company 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. Nebraska State Bank and Trust Company's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Nebraska State Bank and Trust Company 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 Nebraska State Bank and Trust Company 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 Nebraska State Bank and Trust Company 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 Nebraska State Bank and Trust Company 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. Nebraska State Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Nebraska State Bank and Trust Company how it evaluates prior bankruptcies.
