Best SBA Lenders in Lincoln, NE (2026)
2025 FOIA data: top lenders, rates & industries for Lincoln SBA loans
SBA Loans in Lincoln, Nebraska
Looking for an SBA loan in Lincoln, Nebraska? Based on 2025 FOIA data, 67 SBA 7(a) loans were funded in Lincoln totaling $26.6M, supporting an estimated 681 jobs. With 17 active lenders competing for business in the Lincoln market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Lincoln is $397K at an average rate of 9.14%. The top lender in Lincoln is Union Bank and Trust Company, with the most-funded industry being Tire Retreading. See all Nebraska SBA lenders for statewide rankings.
SBA Loans in Lincoln by Business Type
Whether you’re starting a new business in Lincoln, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 7% of SBA loans in Lincoln (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 25% (12 loans) — if you’re looking to buy a business in Lincoln, this is a proven use case for SBA financing. Existing businesses make up 55% and typically receive the most favorable terms.
Top SBA Lenders in Lincoln, NE (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Lincoln businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Union Bank and Trust Company | $12.5M | 27 | 8.03% |
| 2 | Newtek Bank, National Association | $5.3M | 3 | 10.5% |
| 3 | First State Bank Nebraska | $2.1M | 7 | 8.93% |
| 4 | Northeast Bank | $1.8M | 8 | 11.06% |
| 5 | InBank | $896K | 2 | 9.62% |
| 6 | First Interstate Bank | $661K | 1 | 7.5% |
| 7 | First Bank of the Lake | $638K | 2 | 10.25% |
| 8 | The Huntington National Bank | $500K | 1 | 10.75% |
| 9 | Cornhusker Bank | $435K | 3 | 8.5% |
| 10 | United Midwest Savings Bank National Association | $412K | 1 | 9.75% |
The top lenders in Lincoln have direct experience with local businesses and understand the Lincoln market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Lincoln and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Lincoln
One 5-minute application. 17+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Lincoln
These are the industries that received the most SBA 7(a) funding in Lincoln in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Tire Retreading | 1 | $5.0M |
| Other Activities Related to Real Estate | 4 | $3.8M |
| Baked Goods Stores | 2 | $1.7M |
| Insurance Agencies and Brokerages | 3 | $1.5M |
| Janitorial Services | 2 | $1.2M |
| Dental Laboratories | 1 | $1.0M |
| All Other Professional, Scientific, and Technical Services | 2 | $815K |
| All Other Specialty Trade Contractors | 3 | $754K |
| Roofing Contractors | 1 | $739K |
| Home Health Care Services | 3 | $725K |
Lenders with experience funding your specific industry in Lincoln understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Lincoln
Option 1: Apply directly to one of the top Lincoln lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Lincoln-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
