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County2nd of 72 in Nebraska by approvalsFIPS 31109
SBA loans in Lancaster 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.
Businesses in Lancaster County, Nebraska, received 421 SBA loan approvals worth $189M in FY2021 to FY2025 (366 7(a), 55 504).
That is 46.8 approvals per 1,000 business establishments (8,999 establishments in 2023), above the Nebraska figure of 33.3 and close to the national 41.0.
It ranks 2nd of 72 Nebraska counties with approvals. In FY2025 there were 78, about level with FY2024.
43 lenders had approvals here; the most active were Union Bank and Trust Company (124), First State Bank Nebraska (66) and Nebraska Economic Development Corporation (55). 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 Lancaster County
By number of approvals to businesses in the county, FY2021–FY2025; 43 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Union Bank and Trust CompanyLincoln, NE | 124 | $42.9M | 29.5% | |
| 2 | First State Bank NebraskaLincoln, NE | 66 | $18.5M | 15.7% | |
| 3 | Nebraska Economic Development CorporationLincoln, NE · CDC | 55 | $53.9M | 13.1% | |
| 4 | Cornhusker BankLincoln, NE | 29 | $8.7M | 6.9% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 20 | $1.9M | 4.8% | |
| 6 | Equity BankAndover, KS | 12 | $3.9M | 2.9% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 12 | $1.5M | 2.9% | |
| 8 | Northeast BankLewiston, ME | 9 | $2.0M | 2.1% | |
| 9 | Midwest BankPierce, NE | 8 | $1.3M | 1.9% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $6.9M | 1.7% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 7 | $2.1M | 1.7% | |
| 12 | Nebraska Bank of CommerceLincoln, NE | 6 | $2.2M | 1.4% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 5 | $2.2M | 1.2% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 4 | $5.5M | 1.0% | |
| 15 | City Bank & Trust Co.Lincoln, NE | 4 | $2.2M | 1.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 6.4% | |
| 2 | Personal Care ServicesNAICS 8121 | 22 | 5.2% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 21 | 5.0% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 17 | 4.0% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 14 | 3.3% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 14 | 3.3% | |
| 7 | Offices of PhysiciansNAICS 6211 | 13 | 3.1% | |
| 8 | Other Personal ServicesNAICS 8129 | 13 | 3.1% | |
| 9 | General Freight TruckingNAICS 4841 | 13 | 3.1% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 10 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 65 | 15.4% | |
| 2 | Health Care and Social Assistance | 51 | 12.1% | |
| 3 | Retail Trade | 47 | 11.2% | |
| 4 | Construction | 43 | 10.2% | |
| 5 | Accommodation and Food Services | 38 | 9.0% | |
| 6 | Professional, Scientific, and Technical Services | 34 | 8.1% | |
| 7 | Manufacturing | 26 | 6.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 23 | 5.5% |
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* | 48 | $13.6M | $154K | 4 | $5.0M | 52 | 507 |
| FY2025 | 72 | $27.0M | $189K | 6 | $7.7M | 78 | 812 |
| FY2024 | 78 | $32.8M | $150K | 5 | $9.7M | 83 | 1,087 |
| FY2023 | 73 | $21.6M | $150K | 6 | $5.8M | 79 | 823 |
| FY2022 | 73 | $22.6M | $150K | 18 | $18.3M | 91 | 941 |
| FY2021 | 70 | $31.2M | $288K | 20 | $12.5M | 90 | 1,002 |
| FY2020 | 54 | $23.9M | $143K | 10 | $5.4M | 64 | 660 |
| FY2019 | 46 | $10.3M | $110K | 14 | $13.4M | 60 | 599 |
| FY2018 | 62 | $22.0M | $90K | 8 | $5.3M | 70 | 830 |
| FY2017 | 81 | $23.0M | $120K | 15 | $6.9M | 96 | 858 |
| FY2016 | 77 | $14.1M | $67K | 7 | $4.6M | 84 | 1,115 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 374 approvals.
Against Nebraska and the country
| FY2021–FY2025 | Lancaster County | Nebraska | United States |
|---|---|---|---|
| Approvals | 421 | 1,882 | 342,825 |
| Approvals per 1,000 establishments | 46.8 | 33.3 | 41.0 |
| Median 7(a) approval | $161K | $188K | $190K |
| Median 504 approval | $622K | $641K | $657K |
| Average approval | $449K | $517K | $573K |
| 504 share of approvals | 13.1% | 13.1% | 11.0% |
| Jobs supported per approval, as reported | 11.1 | 11.5 | 10.5 |
| Share of state approvals | 22.4% | 100.0% | — |
Approval sizes
- $50,000 or less19.0%80
- $50,001 to $150,00024.2%102
- $150,001 to $350,00023.8%100
- $350,001 to $1 million23.0%97
- $1 million to $2 million5.5%23
- Over $2 million4.5%19
Age of the businesses
- Existing, more than 2 years old56.3%237
- New business, 2 years or less17.8%75
- Startup, loan funds will open the business17.8%75
- Change of ownership8.1%34
Questions and answers
Which lenders make the most SBA loans in Lancaster County?
By approvals in FY2021 to FY2025: Union Bank and Trust Company (124), First State Bank Nebraska (66), Nebraska Economic Development Corporation (55), Cornhusker Bank (29), U.S. Bank, National Association (20). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lancaster County?
The median 7(a) approval was $161K and the median 504 approval $622K; the Nebraska 7(a) median was $188K.
Which industries get the most SBA loans in Lancaster County?
Restaurants and Other Eating Places (27); Personal Care Services (22); Automotive Repair and Maintenance (21); Offices of Other Health Practitioners (17); Other Amusement and Recreation Industries (14).
Is SBA lending in Lancaster County rising?
Approvals in the three latest complete fiscal years total 240, against 245 in the three before: broadly level (-2%).
How does Lancaster County compare with the rest of Nebraska?
46.8 approvals per 1,000 establishments against 33.3 statewide, and 421 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