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County6th of 72 in Nebraska by approvalsFIPS 31067
SBA loans in Gage County, Nebraska
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 38 loans to businesses in Gage County, Nebraska, in FY2021 to FY2025, worth $17.2M: 33 under 7(a) and 5 under 504.
That is 59.7 approvals per 1,000 business establishments (637 establishments in 2023), above the Nebraska figure of 33.3 and above the national 41.0.
It ranks 6th of 72 Nebraska counties with approvals. In FY2025 there were 6.
5 lenders had approvals here; the most active were First State Bank Nebraska (30), Nebraska Economic Development Corporation (5) and First National Bank of Omaha (1). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Gage County
By number of approvals to businesses in the county, FY2021–FY2025; 5 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First State Bank NebraskaLincoln, NE | 30 | $14.4M | 78.9% | |
| 2 | Nebraska Economic Development CorporationLincoln, NE · CDC | 5 | $2.4M | 13.2% | |
| 3 | First National Bank of OmahaOmaha, NE | 1 | — | 2.6% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.6% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 10.5% | |
| 2 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 3 | 7.9% | |
| 3 | Animal Slaughtering and ProcessingNAICS 3116 | 3 | 7.9% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 3 | 7.9% | |
| 5 | Poultry and Egg ProductionNAICS 1123 | 2 | 5.3% | |
| 6 | Scheduled Air TransportationNAICS 4811 | 2 | 5.3% | |
| 7 | Grocery StoresNAICS 4451 | 2 | 5.3% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 2 | 5.3% | |
| 9 | Other Motor Vehicle DealersNAICS 4412 | 2 | 5.3% | |
| 10 | Lessors of Real EstateNAICS 5311 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 6 | 15.8% | |
| 2 | Wholesale Trade | 5 | 13.2% | |
| 3 | Manufacturing | 5 | 13.2% | |
| 4 | Construction | 4 | 10.5% | |
| 5 | Accommodation and Food Services | 4 | 10.5% | |
| 6 | Real Estate and Rental and Leasing | 3 | 7.9% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 3 | 7.9% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 2 | 5.3% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 0 | — | — | 0 | — | 0 | 0 |
| FY2025 | 4 | $2.5M | $225K | 2 | — | 6 | 52 |
| FY2024 | 6 | $1.7M | $283K | 0 | — | 6 | 143 |
| FY2023 | 6 | $3.4M | $140K | 1 | — | 7 | 88 |
| FY2022 | 11 | $5.5M | $81K | 1 | — | 12 | 54 |
| FY2021 | 6 | $1.7M | $169K | 1 | — | 7 | 47 |
| FY2020 | 8 | $1.7M | $213K | 1 | — | 9 | 75 |
| FY2019 | 5 | $781K | $100K | 0 | — | 5 | 31 |
| FY2018 | 8 | $534K | $57K | 1 | — | 9 | 53 |
| FY2017 | 14 | $3.5M | $156K | 0 | — | 14 | 105 |
| FY2016 | 10 | $1.7M | $42K | 0 | — | 10 | 30 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 47 approvals.
Against Nebraska and the country
| FY2021–FY2025 | Gage County | Nebraska | United States |
|---|---|---|---|
| Approvals | 38 | 1,882 | 342,825 |
| Approvals per 1,000 establishments | 59.7 | 33.3 | 41.0 |
| Median 7(a) approval | $164K | $188K | $190K |
| Median 504 approval | $250K | $641K | $657K |
| Average approval | $452K | $517K | $573K |
| 504 share of approvals | 13.2% | 13.1% | 11.0% |
| Jobs supported per approval, as reported | 10.1 | 11.5 | 10.5 |
| Share of state approvals | 2.0% | 100.0% | — |
Approval sizes
- $50,000 or less21.1%8
- $50,001 to $150,00023.7%9
- $150,001 to $350,00023.7%9
- $350,001 to $1 million21.1%8
- $1 million to $2 million5.3%2
- Over $2 million5.3%2
Age of the businesses
- Existing, more than 2 years old68.4%26
- New business, 2 years or less15.8%6
- Startup, loan funds will open the business13.2%5
- Change of ownership2.6%1
Questions and answers
Which lenders make the most SBA loans in Gage County?
By approvals in FY2021 to FY2025: First State Bank Nebraska (30), Nebraska Economic Development Corporation (5), First National Bank of Omaha (1), BayFirst National Bank (1), U.S. Bank, National Association (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Gage County?
The median 7(a) approval was $164K and the median 504 approval $250K; the Nebraska 7(a) median was $188K.
Which industries get the most SBA loans in Gage County?
Restaurants and Other Eating Places (4); Machinery, Equipment, and Supplies Merchant Wholesalers (3); Animal Slaughtering and Processing (3); Services to Buildings and Dwellings (3); Poultry and Egg Production (2).
Is SBA lending in Gage County rising?
Approvals in the three latest complete fiscal years total 19, against 28 in the three before: falling (-32%).
How does Gage County compare with the rest of Nebraska?
59.7 approvals per 1,000 establishments against 33.3 statewide, and 38 of the state's 1,882 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error