Best Nebraska SBA Lenders & Rates (2026)
2025 FOIA data: top lenders, rates, industries & loan types in Nebraska
SBA Loans in Nebraska
Nebraska businesses received $159.8M in SBA 7(a) loan approvals across 330 businesses in 2025, supporting 3,335 jobs. With 67 active SBA lenders competing for business in Nebraska, comparing offers is essential — rates vary significantly by lender.
The average SBA loan in Nebraska is $484K at 9.37%, which is 0.95% below the national average of 10.32%. The top lender in Nebraska is Union Bank and Trust Company, with the most-funded industry being Hotels (except Casino Hotels) and Motels.
SBA Loans in Nebraska by Business Type
Whether you’re starting a business, buying one, or expanding an existing operation in Nebraska, here’s how SBA lending breaks down:
Startups represent 18% of Nebraska SBA loans (70 loans totaling $28.3M). Business acquisitions (change of ownership) account for 28% (50 loans, $44.2M). Existing businesses make up the largest share at 39% (157 loans). If you’re buying a business in Nebraska, acquisitions are a well-established use case for SBA 7(a) loans.
Nebraska vs. National Average
How does Nebraska’s SBA lending market compare to the national average in 2025?
Nebraska9.37%
National Avg10.32%
✅ Nebraska’s avg rate is 0.95% lower than the national average
Nebraska$484K
National Avg$478K
Nebraska’s avg loan is 1x the national average
A rate lower than the national average of 10.32% is significant context for Nebraska borrowers. Individual rates depend on your credit profile, deal structure, loan size, and the specific lender you work with — which is why comparing multiple offers from different banks is consistently the best strategy to get the lowest possible rate on your SBA loan.
Top SBA Lenders in Nebraska (2025 Data)
The table below ranks every SBA 7(a) lender active in Nebraska in 2025 by total dollar volume approved. This data comes directly from SBA FOIA records and represents actual funded loans — not pre-qualifications or applications received.
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Union Bank and Trust Company | $24.4M | 58 | 8.06% |
| 2 | Emprise Bank | $12.2M | 21 | 7.76% |
| 3 | The Huntington National Bank | $11.3M | 17 | 9.28% |
| 4 | First State Bank Nebraska | $11.3M | 20 | 8.74% |
| 5 | Live Oak Banking Company | $11.2M | 7 | 9.61% |
| 6 | American National Bank | $8.1M | 13 | 8.83% |
| 7 | Newtek Bank, National Association | $6.7M | 8 | 11% |
| 8 | US Metro Bank | $5.0M | 1 | 8.75% |
| 9 | First National Bank and Trust | $5.0M | 1 | 9.3% |
| 10 | Open Bank | $5.0M | 1 | 8.75% |
| 11 | Everwise Credit Union | $5.0M | 1 | 9.75% |
| 12 | Pathward National Association | $5.0M | 2 | 10% |
| 13 | Enterprise Bank & Trust | $4.3M | 1 | 7% |
| 14 | Northeast Bank | $3.8M | 20 | 10.69% |
| 15 | Northwest Bank | $3.6M | 7 | 9.18% |
Pay close attention to the “Avg Rate” column — rates vary significantly between lenders operating in the same state. The spread between the lowest and highest rate in this table can represent tens of thousands of dollars over the life of your loan. The top lenders in Nebraska have funded the most deals locally, meaning their loan officers understand Nebraska’s commercial real estate values, industry mix, and economic conditions. This familiarity typically translates into faster underwriting and more competitive terms.
However, don’t limit your search to local banks alone. Many of the top national SBA lenders fund loans across all 50 states and may offer better rates or more experience with your specific industry. An SBA loan broker like GoSBA gives you access to both Nebraska-based lenders and national lenders with a single application — ensuring you get the most competitive offer available.
Get Matched with the Best SBA Lender in Nebraska
One 5-minute application. 67 lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Nebraska
SBA lending in Nebraska reflects the state’s economic profile and business formation trends. The table below shows which industries received the most SBA 7(a) funding in Nebraska in 2025, ranked by total dollar volume:
| Industry | Loans | Volume |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 4 | $15.1M |
| Roofing Contractors | 8 | $12.0M |
| Landscaping Services | 6 | $8.3M |
| Homes for the Elderly | 3 | $5.5M |
| Cattle Feedlots | 1 | $5.0M |
| Broilers and Other Meat Type | 1 | $5.0M |
| Tire Retreading | 1 | $5.0M |
| Full-Service Restaurants | 18 | $5.0M |
| Limited-Service Restaurants | 5 | $4.0M |
| Offices of Dentists | 2 | $3.9M |
| Home Health Care Services | 7 | $3.8M |
| Other Activities Related to Real Estate | 4 | $3.8M |
| Plumbing, Heating, and Air-Conditioning Contractors | 7 | $3.3M |
| General Freight Trucking, Long Distance, Truckload | 5 | $3.1M |
| General Automotive Repair | 12 | $2.7M |
If your business operates in one of Nebraska’s top-funded industries, you’re in a strong position. Lenders who have funded dozens of similar businesses in your state understand the unit economics, seasonal revenue patterns, and typical margins for your sector. This familiarity translates into faster approvals, less documentation back-and-forth, and more accurate risk pricing — which typically means better terms for the borrower.
Even if your industry isn’t listed above, SBA 7(a) loans are available for nearly every legal business type. An SBA loan broker can identify which lenders have the most experience with your specific industry.
Top Cities for SBA Loans in Nebraska
SBA lending activity within Nebraska is concentrated in major metropolitan areas, but businesses in smaller cities and towns also receive significant funding. The table below shows where in Nebraska the most SBA 7(a) loans were funded in 2025:
| City | Loans | Volume |
|---|---|---|
| Omaha | 105 | $48.5M |
| Lincoln | 67 | $26.6M |
| Fremont | 7 | $12.9M |
| Papillion | 14 | $9.0M |
| York | 6 | $5.3M |
| Gering | 3 | $5.0M |
| Byron | 1 | $5.0M |
| Sterling | 1 | $5.0M |
| La Vista | 4 | $4.4M |
| Bennington | 1 | $4.0M |
How to Get an SBA Loan in Nebraska
Option 1: Apply directly to one of the top Nebraska lenders above. You’ll get a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Nebraska-active lenders simultaneously, creating competition for your deal. Better rates, faster approvals — at no cost to you.
Frequently Asked Questions
How many SBA loans were funded in Nebraska in 2025?
What is the average SBA loan interest rate in Nebraska?
Can I get an SBA loan to start a business in Nebraska?
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What industries get the most SBA loans in Nebraska?
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Data sourced from official SBA 7(a) FOIA loan approval records for Calendar Year 2025, published by the U.S. Small Business Administration. For official information, visit sba.gov.
