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County3rd of 72 in Nebraska by approvalsFIPS 31153
SBA loans in Sarpy 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 Sarpy County, Nebraska, received 194 SBA loan approvals worth $124M in FY2021 to FY2025 (172 7(a), 22 504).
That is 47.2 approvals per 1,000 business establishments (4,106 establishments in 2023), above the Nebraska figure of 33.3 and above the national 41.0.
It ranks 3rd of 72 Nebraska counties with approvals. In FY2025 there were 41, about level with FY2024.
46 lenders had approvals here; the most active were Nebraska Economic Development Corporation (21), First National Bank of Omaha (14) and The Huntington National Bank (14). The most common industry was services to buildings and dwellings.
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 Sarpy County
By number of approvals to businesses in the county, FY2021–FY2025; 46 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Nebraska Economic Development CorporationLincoln, NE · CDC | 21 | $22.1M | 10.8% | |
| 2 | First National Bank of OmahaOmaha, NE | 14 | $7.8M | 7.2% | |
| 3 | The Huntington National BankColumbus, OH | 14 | $4.0M | 7.2% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 14 | $1.7M | 7.2% | |
| 5 | Associated Bank National AssociationGreen Bay, WI | 13 | $8.4M | 6.7% | |
| 6 | Emprise BankWichita, KS | 13 | $6.2M | 6.7% | |
| 7 | Union Bank and Trust CompanyLincoln, NE | 12 | $8.0M | 6.2% | |
| 8 | Arbor BankNebraska City, NE | 10 | $7.2M | 5.2% | |
| 9 | Westside State BankWestside, IA | 9 | $3.0M | 4.6% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $930K | 4.1% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 6 | $2.7M | 3.1% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 5 | $652K | 2.6% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $1.1M | 2.1% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 3 | $3.9M | 1.5% | |
| 15 | Access BankOmaha, NE | 3 | $3.7M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 14 | 7.2% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 14 | 7.2% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 6.7% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 11 | 5.7% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 10 | 5.2% | |
| 6 | Child Day Care ServicesNAICS 6244 | 10 | 5.2% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 10 | 5.2% | |
| 8 | Personal Care ServicesNAICS 8121 | 9 | 4.6% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 7 | 3.6% | |
| 10 | Home Health Care ServicesNAICS 6216 | 6 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 41 | 21.1% | |
| 2 | Health Care and Social Assistance | 32 | 16.5% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 19 | 9.8% | |
| 4 | Accommodation and Food Services | 17 | 8.8% | |
| 5 | Arts, Entertainment, and Recreation | 15 | 7.7% | |
| 6 | Other Services (except Public Administration) | 15 | 7.7% | |
| 7 | Manufacturing | 13 | 6.7% | |
| 8 | Retail Trade | 11 | 5.7% |
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* | 29 | $16.8M | $259K | 5 | $4.8M | 34 | 270 |
| FY2025 | 36 | $17.9M | $165K | 5 | $6.7M | 41 | 654 |
| FY2024 | 43 | $19.6M | $150K | 1 | — | 44 | 444 |
| FY2023 | 33 | $13.0M | $255K | 2 | — | 35 | 463 |
| FY2022 | 23 | $13.7M | $169K | 5 | $7.4M | 28 | 350 |
| FY2021 | 37 | $34.1M | $431K | 9 | $4.7M | 46 | 1,030 |
| FY2020 | 15 | $7.4M | $182K | 2 | — | 17 | 316 |
| FY2019 | 28 | $3.7M | $86K | 2 | — | 30 | 178 |
| FY2018 | 36 | $7.0M | $115K | 1 | — | 37 | 628 |
| FY2017 | 28 | $10.7M | $150K | 2 | — | 30 | 408 |
| FY2016 | 41 | $14.9M | $150K | 3 | $5.0M | 44 | 953 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 158 approvals.
Against Nebraska and the country
| FY2021–FY2025 | Sarpy County | Nebraska | United States |
|---|---|---|---|
| Approvals | 194 | 1,882 | 342,825 |
| Approvals per 1,000 establishments | 47.2 | 33.3 | 41.0 |
| Median 7(a) approval | $234K | $188K | $190K |
| Median 504 approval | $601K | $641K | $657K |
| Average approval | $637K | $517K | $573K |
| 504 share of approvals | 11.3% | 13.1% | 11.0% |
| Jobs supported per approval, as reported | 15.2 | 11.5 | 10.5 |
| Share of state approvals | 10.3% | 100.0% | — |
Approval sizes
- $50,000 or less19.6%38
- $50,001 to $150,00019.6%38
- $150,001 to $350,00019.6%38
- $350,001 to $1 million25.3%49
- $1 million to $2 million7.7%15
- Over $2 million8.2%16
Age of the businesses
- Existing, more than 2 years old43.3%84
- New business, 2 years or less23.7%46
- Startup, loan funds will open the business19.1%37
- Change of ownership13.9%27
Questions and answers
Which lenders make the most SBA loans in Sarpy County?
By approvals in FY2021 to FY2025: Nebraska Economic Development Corporation (21), First National Bank of Omaha (14), The Huntington National Bank (14), U.S. Bank, National Association (14), Associated Bank National Association (13). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Sarpy County?
The median 7(a) approval was $234K and the median 504 approval $601K; the Nebraska 7(a) median was $188K.
Which industries get the most SBA loans in Sarpy County?
Services to Buildings and Dwellings (14); Other Amusement and Recreation Industries (14); Restaurants and Other Eating Places (13); Offices of Other Health Practitioners (11); Foundation, Structure, and Building Exterior Contractors (10).
Is SBA lending in Sarpy County rising?
Approvals in the three latest complete fiscal years total 120, against 91 in the three before: rising (+32%).
How does Sarpy County compare with the rest of Nebraska?
47.2 approvals per 1,000 establishments against 33.3 statewide, and 194 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