What is a Certified Development Company (CDC)?

CDCs are SBA-certified nonprofit organizations that partner with banks to provide the 504 loan. They handle the SBA-backed 40% portion of the financing.

Can I use SBA 504 for a rental property?

No. SBA 504 requires 51%+ owner occupancy for existing buildings. It's designed for businesses that will operate from the property.

How is the SBA 504 loan structured?

50% from a bank or lender (first lien), 40% from a CDC backed by SBA (second lien), and 10% from the borrower as down payment.

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SBA 504 Loans in Omaha, NE

Find lenders offering sba 504 loans in the Omaha, including Council Bluffs, Bellevue, Papillion, and surrounding areas. Compare rates, terms, and programs from 7 lenders.

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Lenders

Typical Rate

Below market (CDC portion ~5-6%)

Down Payment

10%

Term

10-25 years

Closing Time

45-90 days

SBA 504 Lenders Serving Omaha

7 lenders offering sba 504 loans in the Omaha, NE area.

Live Oak Banking Company

SBA

WILMINGTON, NC

One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.

628 SBA loans

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The Huntington National Bank

SBA

COLUMBUS, OH

Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.

1337 SBA loans

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U.S. Bank, National Association

SBA

Cincinnati, OH

Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.

846 SBA loans

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Readycap Lending, LLC

SBA

BERKELEY HEIGHTS, NJ

Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.

563 SBA loans

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Wells Fargo Bank National Association

SBA

Sioux Falls, SD

One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.

220 SBA loans

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Zions Bank, A Division of

SBA

SALT LAKE CITY, UT

Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.

256 SBA loans

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Wells Fargo

San Francisco, CA

Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.

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Omaha Commercial Real Estate Market

Omaha is a financial services powerhouse, serving as the headquarters of Berkshire Hathaway, Mutual of Omaha, First National of Nebraska, and Union Pacific Railroad, which collectively sustain a robust Class A office market in the downtown and Midtown Crossing areas. The Aksarben Village redevelopment near the University of Nebraska Omaha has become a model mixed-use district, combining office, retail, residential, and entertainment uses on a former horse-racing venue. Industrial demand has grown along the I-80 corridor and in the Council Bluffs crossover area, supported by Omaha's central U.S. location and status as a rail hub. The city's data center market has expanded rapidly, with Facebook and Google both operating large facilities in the metro area.

Key Economic Drivers

●Berkshire Hathaway, Mutual of Omaha, and Union Pacific Railroad headquarters sustaining premium office demand
●Offutt Air Force Base and U.S. Strategic Command providing stable federal employment and housing demand
●University of Nebraska Medical Center and Nebraska Medicine driving medical office and life sciences development
●Google and Facebook data center campuses in the metro area expanding technology infrastructure demand

Market Insight

Mutual of Omaha is constructing a new 44-story headquarters tower in downtown Omaha, the tallest building between Chicago and Denver, signaling major corporate confidence in the downtown CRE market and catalyzing adjacent development.