Long-Term Financing.
Local Impact.
SBA 504 Loans for Nebraska Business Growth
NEDCO provides flexible, fixed-rate financing for commercial real estate, heavy equipment, and refinancing, designed to preserve working capital and fuel what’s next. That expertise has made NEDCO Nebraska’s Top SBA 504 Lender.
Jason Culver
Will Sailors
Long-Term Financing.
Local Impact.
SBA 504 Loans for Nebraska Business Growth
NEDCO provides flexible, fixed-rate financing for commercial real estate, heavy equipment, and refinancing, designed to preserve working capital and fuel what’s next. That expertise has made NEDCO Nebraska’s Top SBA 504 Lender.
Jason Culver
Will Sailors
October 2026
Standard Loan Rates
View Rate History
25-Year Fixed Interest
6.57%
20-Year Fixed Interest
6.58%
10-Year Fixed Interest
6.59%
October 2026
Discounted
Loan Rates
25-Year Fixed Interest
6.34%
20-Year Fixed Interest
6.33%
10-Year Fixed Interest
6.29%
Discounted loan rates apply to manufacturers, rural businesses, and food supply chain businesses.
Rates vary for refinancing, manufacturers, and other factors. Contact NEDCO for rate details.
Beyond Real Estate
Finance What Fuels Your Business
Capital Preservation: 10% Down Payment
Preserve working capital to fund aggressive advertising, marketing, and business expansion.
Unmatched Term Lengths: 10 to 25-Year Fixed Terms
Eliminate call provisions, balloon payments, and interest rate volatility on heavy machinery.
Partner Bank Benefits: Protect Bank Limits
Partner with NEDCO to share project risk while securing a 1st lien position (50% LTV) for the lender.
Estimate your payment. Compare scenarios. Plan with confidence. Estimates only, based on the current published rates and standard SBA 504 program splits and fees. Cash Out of Pocket includes the down payment plus estimated closing fees. Actual terms depend on underwriting and project specifics — contact NEDCO for a formal quote.SBA 504 Loan Calculator
For Lenders and Bankers
Strong Partnerships. Lower Risk.
1st Lien Position (50% LTV)
Maintain your senior position with reduced exposure.
0% SBA Paperwork Burdon on the Bank
NEDCO handles the SBA process from start to finish.
CRA Compliance Made Simple
504 lending helps meet CRA goals in your community.
Competitive Advantage
Offer long-term fixed-rate financing your borrowers want.
For Owners and Borrowers
Keep Capital Working. Grow with Confidence.
As Low as 10% Down
Preserve cash for operations, marketing, and growth.
10, 20, or 25-Year Fixed Rates
Predictable payments. No balloon payments.
Finance Real Estate, Equipment, and More
From land and buildings to heavy machinery.
Refinance and Unlock Equity
Convert debt to long-term fixed-rate financing.
Stay Informed
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Watch as the NEDCO team discusses the ins and outs of the SBA 504 loan program, current trends, and the state of the industry as a whole. Don’t miss out; watch and subscribe today!
Local Lending News
Program updates, rate news, and new savings opportunities for businesses across Nebraska.
SBA Applications are Easier!
Applying for SBA 504 financing through NEDCO just got easier. We've streamlined our application process with digital signatures, a shorter application package, secure document uploads, and no...
What the Revised SBA SOP Means for Your Next 504 Loan
The SBA's revised Standard Operating Procedure, SOP 50 10 8.1, took effect on October 1, 2026. It brings changes to underwriting, personal financial statements, guaranties and documentation for 504...
Can an SBA 504 Loan Provide Working Capital? Yes, Through a 504 Refinance
Most business owners think of the SBA 504 loan as a way to buy buildings and equipment, not as a source of working capital. But through the SBA 504 refinance program, eligible businesses can access the equity they’ve built in owner-occupied commercial real estate and use those funds for payroll, inventory, business lines of credit, and other ordinary operating expenses.