Small business loans in Omaha, NE
Short answer
The most active SBA lenders in Omaha, NE since FY2024 are Union Bank and Trust Company (41 loans) and U.S. Bank (25). The median loan was $200,000, and half fell between $75,000 and $500,000. For free help, see the Nebraska Small Business Development Center. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 254
- approved since FY2024
- $112.44M
- median loan
- $200,000
- through SBA Express
- 35.4%
Lenders making SBA loans in Omaha
No lender made more than 16% of the loans in Omaha, and Union Bank and Trust Company made the most. The five largest lenders together made 48%.
| Lender | Loans | Share |
|---|---|---|
| Union Bank and Trust Company | 41 | 16.1% |
| U.S. Bank | 25 | 9.8% |
| Emprise Bank | 21 | 8.3% |
| Associated Bank | 17 | 6.7% |
| The Huntington National Bank | 17 | 6.7% |
Share is the percent of all Omaha loans in that period. Each name links to that lender's page for Nebraska where one exists.
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Local help near Omaha
Omaha borrowers can start with SBA's district office for Nebraska, an SBDC or SCORE.
42% of Omaha borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA has one district office for Nebraska. Its page points to state and federal resources and to lenders in the area. The Nebraska Small Business Development Center gives free counseling across Nebraska.
- SBA Nebraska District Office (Omaha)SBA district office
- Nebraska Small Business Development CenterSmall Business Development Center
- SCORE mentors in NebraskaBusiness mentoring
Alongside SBA loans, Nebraska runs a loan program. The Nebraska page describes it, and the official page is linked here.
Loan counts and sizes in Omaha
Omaha ranks 1st by loans since FY2024 among the 2 Nebraska cities with 100 or more SBA loans since FY2020. Nationally it is the 52nd busiest of the 580 cities that reach 100 loans.
The 254 loans, 31.5% of the 807 in Nebraska, were approved for $112.4 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $200,000, 33% above the national median of $150,300. Half of the loans fell between $75,000 and $500,000. The Omaha median is 9% above the Nebraska median of $183,000.
| Measure | Omaha | Nebraska | U.S. |
|---|---|---|---|
| Loans | 254 | 807 | 162,355 |
| Median loan | $200,000 | $183,000 | $150,300 |
| 25th percentile | $75,000 | $75,000 | $50,000 |
| 75th percentile | $500,000 | $489,750 | $500,000 |
| Via SBA Express | 35.4% | 36.3% | 35.8% |
| Lines of credit | 27.6% | 24.2% | 28.1% |
| Startups | 22.8% | 20.8% | 16.1% |
| Ownership changes | 11.8% | 16.0% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.25 | 1.55 | 2.75 |
| Charged off | 3.7% | 1.6% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
77% of the loans were $500,000 or less, the size SBA Express covers. 35.4% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 27.6% of loans, close to the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 45.7% of loans went to businesses more than two years old and 19.3% to businesses two years old or younger. Startups received 22.8% and changes of ownership 11.8%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume fell 15% from FY2024 (110 loans) to FY2025 (94), the two latest full years. The busiest full year in the file was FY2024, with 110 loans. FY2026 already shows 50 loans through June 30.
Of the 245 loans Omaha borrowers received in FY2020 to FY2022, 3.7% were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 2,457 jobs supported across the 254 loans since FY2024, about 9.7 per loan. SBA does not audit these estimates.
What businesses in Omaha borrow for
All Other Specialty Trade Contractors was the largest borrower group in Omaha, with 13 loans or 5.1% of the total.
The five largest industries made up 18% of all Omaha loans. All Other Specialty Trade Contractors stands out: its 13 loans are 5.1% of Omaha loans, against 1.7% nationally, 3.0 times its national share.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| All Other Specialty Trade Contractors | 13 | 5.1% | 1.7% |
| Full-Service Restaurants | 12 | 4.7% | 4.6% |
| Fitness and Recreational Sports Centers | 7 | 2.8% | 2.1% |
| Painting and Wall Covering Contractors | 7 | 2.8% | 0.6% |
| Plumbing, Heating, and Air-Conditioning Contractors | 7 | 2.8% | 1.9% |
Share is the percent of all Omaha loans in that period. Industry is the NAICS code on each loan. A name links to the Nebraska page for that industry where one exists.
A typical loan payment in Omaha
The median Omaha loan was $200,000 with a median term of 10 years.
The median variable-rate loan in Omaha was priced at Prime plus 2.25 percentage points at approval. At today's Prime that spread works out to 9.25%. On $200,000 over 10 years, principal and interest would come to about $2,561 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $75,000 | $960 |
| Median loan | $200,000 | $2,561 |
| 75th percentile loan | $500,000 | $6,402 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $200,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.8 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Omaha loans approved since FY2024 had a median starting rate of 9.25% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $200,000 loan and SBA Express payment calculator.
SBA 504 loans near Omaha
Omaha has 27 SBA 504 loans since FY2024, with $28.8 million in SBA and CDC dollars.
The median 504 loan in Omaha was $820,000 in SBA and CDC dollars, 16% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Nebraska Economic Development Corporation is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 25 since FY2024.
| Certified Development Company | 504 loans |
|---|---|
| Nebraska Economic Development Corporation | 25 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Nebraska cities near Omaha
Omaha made up 31.5% of Nebraska's SBA loans since FY2024.
Omaha is one of 2 Nebraska cities with 100 or more SBA loans since FY2020. The Nebraska page covers all 807 loans in Nebraska. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Omaha
Which lenders make the most SBA loans in Omaha?
Union Bank and Trust Company leads with 41 loans in Omaha since FY2024. U.S. Bank (25) and Emprise Bank (21) follow. Only lenders with five or more Omaha loans are counted.
Which industries get SBA loans in Omaha?
All Other Specialty Trade Contractors leads with 13 loans in Omaha since FY2024. Full-Service Restaurants (12) and Fitness and Recreational Sports Centers (7) follow.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Nebraska District Office (Omaha)
- Nebraska Small Business Development Center
- SCORE, Nebraska
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Omaha, NE. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/nebraska-small-business-loans/omaha/
Ask lending partners about a loan in Omaha
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.