Lending data
Who actually lends to trucking and transportation businesses in Nebraska?
37 SBA 7(a) loans went to trucking and transportation businesses in Nebraska recently, at a median of $149,400. Here are the lenders that made them, ranked.
37 SBA 7(a) loans went to trucking and transportation businesses in Nebraska in the most recent fiscal years. The median was $149,400 over 10 years. The most active lender was First State Bank Nebraska, with 4 loans.
What lending to trucking and transportation businesses in Nebraska actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Transportation and trucking, Nebraska | All 7(a) borrowers |
|---|---|---|
| Loans approved | 37 | 214,102 |
| Median loan | $149,400 | $150,000 |
| 25th - 75th percentile | $62,750 - $493,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 9.00% | 10.25% |
| Share to startups | 29.7% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 4.1% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to trucking and transportation businesses in Nebraska. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| First State Bank Nebraska | 4 | $148,100 | 25% | 8.25% |
| First Central Bank McCook | 4 | $107,000 | 0% | 8.87% |
| Hershey Bank | 3 | $75,500 | 33% | 9.75% |
| First National Bank of Omaha | 3 | $789,000 | 33% | 7.40% |
| Union Bank and Trust Company | 2 | $307,500 | 50% | 7.00% |
| BayFirst National Bank | 2 | $150,000 | 0% | 10.75% |
| Northeast Bank | 2 | $67,400 | 0% | 11.12% |
| Lendistry SBLC, LLC | 2 | $135,750 | 0% | 11.12% |
| Northwest Bank | 2 | $1,401,000 | 100% | 9.75% |
| First Interstate Bank | 2 | $47,900 | 100% | 9.50% |
What stands out in this market
Reading the figures above against the national picture:
- Loan sizes are typical. The median of $149,400 is within a few percent of the $150,000 national median across all 7(a) borrowers, so nothing about this market is unusual on size.
- Startup share is about average, at 30% against 34% nationally.
- No single lender dominates, but the top three made 30% of these loans, so the shortlist below covers most of the active market.
- Rates run lower here. The median initial rate of 9.00% is 1.25 points below the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
- This market has performed well. Its FY2010-2019 charge-off rate of 4.1% is below the 7.1% overall figure, which is part of why lenders compete for it.
Which of them lend to new businesses
Of those loans, 29.7% went to businesses the SBA classes as startups — new, under two years old, or opening with the proceeds. These are the lenders in this market that actually wrote them.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Northwest Bank | 2 | $1,401,000 | 100% | 9.75% |
| First Interstate Bank | 2 | $47,900 | 100% | 9.50% |
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year. See choosing an SBA lender.
- Check your coverage first with the affordability calculator so you ask for a number the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Nebraska: construction, personal services, restaurants and hotels, healthcare, retail, admin services
- Trucking in comparable states: West Virginia, New Mexico, Arkansas, Delaware, Kansas, Rhode Island