Bank of the Valley

This is a community-focused bank offering SBA loan programs and financial services tailored for small businesses in the region. You can find support for business expansion, equipment financing, and working capital needs. Their team provides expert guidance to help you navigate the loan process smoothly.

Ask Bank of the Valley directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Bank of the Valley's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Bank of the Valley and the SBA program — ask the lender for its current schedule.

This bank primarily serves small business owners within the region, but eligibility for SBA loans is based on creditworthiness and business criteria rather than residency alone.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Bank of the Valley what it looks for today.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the loan and completeness of the application.

Most bank SBA teams work weekdays; confirm with Bank of the Valley before planning a weekend visit.

Bank of the Valley is located in Nebraska — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Bank of the Valley, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank of the Valley itself, which runs its own lending under its own ownership. If you work at Bank of the Valley, you can claim this listing from this page to manage it.

The core details for Bank of the Valley — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Bank of the Valley before applying. If you represent Bank of the Valley, claim this listing to keep its information up to date.

You can reach Bank of the Valley by phone at (402) 538-3025 or online at www.bankofthevalley.com — the same details are in the contact card on this page.

Like most SBA lenders, Bank of the Valley can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Bank of the Valley directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bank of the Valley participates in SBA Express depends on its specific SBA lending authority. Contact Bank of the Valley and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Bank of the Valley has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

Bank of the Valley works with new business startups and can assist with SBA lending to help you through the startup process. Contact the bank's business lending team to discuss your specific startup needs.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Bank of the Valley what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Bank of the Valley to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Bank of the Valley to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Bank of the Valley weighs this case by case under its own policy, so be upfront about your history and ask Bank of the Valley how it evaluates prior bankruptcies.