Security First Bank

This is a financial institution offering SBA loan programs and small business financing solutions, providing personalized support to help entrepreneurs grow and succeed.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.

Security First Bank operates from 8:00 AM to 4:30 PM MST, Monday through Friday. Confirm current hours with the lender.

There are no fees for initial consultations; however, standard loan application and closing fees apply depending on the loan terms.

This service is primarily available to small business owners in the Lincoln region and surrounding areas, with eligibility based on loan criteria.

A minimum personal credit score of 650 is generally required to qualify for SBA loans through this lender.

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

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

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

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

Security First Bank can be reached via contact form at security1stbank.com/contact-us/ or by phone at (402) 323-8045. Confirm current contact methods with the lender.

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