Capital for Nebraska operators
from the Missouri to the Panhandle.

Nebraska runs one of the most productive agricultural economies on the planet and pairs it with an insurance, finance, and logistics backbone that punches well above the state's population. Mutual of Omaha and Berkshire Hathaway anchor an Omaha financial-services cluster that ripples outward through Pacific Life, TD Ameritrade legacy operations, and a deep back-office economy. Union Pacific is headquartered in Omaha and operates Bailey Yard in North Platte — the largest railroad classification yard in the world. ConAgra, Cargill, Tyson, and Smithfield drive a food-processing supply chain that touches almost every county. Banks, by structure, cannot move at the pace these supply chains and growing cycles demand. Goliath was built to.

Our Nebraska pipeline reaches every region of the state. The Omaha metro brings us deal flow from the Old Market and downtown restaurant base, the insurance and financial-services back-offices, the Aksarben and Midtown professional-services layer, and the deep contractor base riding the metro's permanent build cycle. Lincoln anchors the capital and University of Nebraska economy with restaurants, professional services, and a contractor base around the steady government and academic deposit flow. Bellevue and the Offutt AFB area drive defense-contractor and service-business deal flow. The Tri-Cities of Grand Island, Kearney, and Hastings run a deep ag-services, manufacturing, and trucking economy along I-80. Western Nebraska, from North Platte through Scottsbluff, brings us cattle feeders, ag-services, and oilfield-adjacent businesses.

The bank-lending coverage gap in Nebraska

Nebraska has a strong community-bank tradition, particularly through First National of Omaha, Pinnacle, and the long tail of family-owned ag banks west of Lincoln. The small-business credit gap, though, is wider than people expect. Community-bank consolidation has thinned the field, and surviving regional and national institutions structurally favor commercial real estate, ag reserve lending, and high-net-worth lending over the $50K to $500K working-capital tickets that Nebraska small businesses actually need. The result: an Omaha restaurant group, a Grand Island feedlot supplier, a Kearney contractor, a Scottsbluff trucking outfit — strong, deposit-rich businesses — frequently cannot get a timely yes from a bank. We fill that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate the company. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach is well-matched to the Nebraska mix because it accommodates the seasonal feedlot operator, the steady insurance-back-office vendor, the cyclical ethanol supplier, and the project-based contractor on the same underwriting bench. We routinely fund operators in their first year as long as deposit patterns support the offer.

The Nebraska industry mix, the way we see it

Agriculture anchors the western and central Nebraska portion of our book — cattle feeders, corn and soybean producers, ethanol-plant operators, grain elevators, custom harvesters, and farm-equipment dealers. Food processing tied to ConAgra, Cargill, Tyson, and Smithfield drives a deep supplier and contractor pipeline. Insurance and financial services anchored by Mutual of Omaha and Berkshire Hathaway is the second pillar of our Omaha-metro book. Telecommunications, including Cox's Omaha base and CenturyLink/Lumen's significant footprint, drives downstream B2B service demand. Logistics tied to Union Pacific's Omaha headquarters, the I-80 corridor, and the Bailey Yard is a major slice. Healthcare practices, construction, restaurants, and professional services round out the top.

Nebraska is best understood as three economies stitched together by I-80, the Union Pacific mainline, and the Missouri and Platte river valleys: the Omaha-Council Bluffs metro and its insurance and logistics base, the Lincoln capital and university market, and the deep agricultural and food-processing belt running west. Below is how the major metros break down in our book.

Omaha

Omaha is the largest single Nebraska market in our book and one of the most economically diversified mid-sized metros in the country. Industry mix is anchored by Berkshire Hathaway and Mutual of Omaha, the Union Pacific headquarters and rail operations, a deep insurance and financial back-office economy (Pacific Life, Physicians Mutual, the legacy TD Ameritrade footprint), and Cox Communications. We fund restaurants across the Old Market, the Blackstone District, Benson, and Aksarben; healthcare practices around the UNMC campus; contractors riding the West Omaha and Elkhorn build cycle; and the long tail of professional services orbiting the insurance and rail employers.

Lincoln

Lincoln anchors the capital and the University of Nebraska, with state-government employment, the UNL footprint, and a meaningful tech and creative-services layer (Hudl, Spreetail, Nelnet). We fund restaurants and bars across the Haymarket, the downtown core, and the O Street corridor; contractors riding the south Lincoln and Waverly build cycle; healthcare practices, professional services, and a deep B2B base orbiting state government and the university.

Bellevue and Offutt

Bellevue sits south of Omaha and is anchored by Offutt Air Force Base, home of US Strategic Command. The economy mixes defense contractors, base-adjacent services, and the long tail of restaurants, healthcare, and retail serving the military and civilian workforce. We fund defense subcontractors, contractors riding Bellevue's residential build cycle, and the restaurant and service base across the metro.

Grand Island and the Tri-Cities

Grand Island, Kearney, and Hastings form the Tri-Cities corridor along I-80 and run a deep ag-services, manufacturing, and trucking economy. JBS, Hornady (ammunition), Eaton, and a long tail of ag-equipment dealers anchor the industrial base. We fund cattle feeders, ag-services, contractors, restaurants, and the trucking and logistics operators who run the I-80 corridor and serve the regional food-processing supply chain.

Western Nebraska — North Platte and Scottsbluff

Western Nebraska is the agricultural and rail backbone of the state. North Platte is home to Union Pacific's Bailey Yard, the largest rail classification yard in the world, and the surrounding economy runs on rail employment, trucking, ag-services, and the long tail of restaurants and retail serving the workforce. Scottsbluff and the Panhandle anchor sugar-beet, dry-bean, and cattle production on the Wyoming border. We fund cattle feeders, ag-services, trucking, oilfield-adjacent businesses, and the small-metro restaurant and contractor base across the region.