Feasibility Study Data for the Lincoln, NE Metro Area

Lincoln: what the area shows

Lincoln, NE is a metropolitan area, and its 802 SBA approvals in FY2017 to FY2026 carried $342.8 million in gross dollars. Lincoln counts as an upper-tier area, ranked 121 of 928 by loans. In Lincoln, NE, every asset class is pooled for Lincoln. That view of Lincoln is missing from NE and national tables.

$176,000 is the Lincoln median loan, and the middle half runs $65,500 to $447,750. Lincoln sits below the national level: its 0.85x ratio to the national median means Lincoln requests sized nationally may look large. Lincoln counts 692 loans under 7(a) and 110 under 504, so 7(a) carries the Lincoln mix. 10.0% of Lincoln loans went to franchised businesses, so a Lincoln study names the brand, if any, for Lincoln.

Who lends in Lincoln, and for what

Tracked classes in Lincoln, with loan counts: full-service restaurant 29, limited-service restaurant 22, automotive mechanical repair 19, fitness center 19. In Lincoln, 613 loans belong to no tracked class, which keeps these totals from being a pure property count. Lincoln lending concentrates by county: Lancaster County, NE (781 loans) and Seward County, NE (21 loans). Lincoln 7(a) volume: Union Bank and Trust Company (NE) ($58.3 million, 204 loans); First State Bank Nebraska ($39.3 million, 107 loans); Cornhusker Bank ($17.4 million, 53 loans). Union Bank and Trust Company (NE), with 204 loans, tops the Lincoln rows, each an SBA record of Lincoln loans held or once held; none judges Lincoln lenders.

Lincoln goes from 101 loans in FY2017 to 70 in FY2026, ending lower: the peak was 101 in FY2017, and the trough 62 in FY2019. In Lincoln, cancellations after approval reach 12.9% as a floor for FY2017 to FY2024; the ceiling is withheld there, and withheld is not zero in Lincoln. Of the 343 loans in the Lincoln cohort for FY2017 to FY2021, 2.3% are charged off, a floor. The Lincoln five-year loss figure is withheld; Lincoln cannot read it as zero. Lincoln faces a geography limit: Lincoln, NE uses the July 2023 definition; 802 loans are matched by county, and unplaceable Lincoln loans are omitted, so Lincoln counts and rates are floors.

Lincoln: the study questions

Any Lincoln study defines its Lincoln trade area first, since lending in Lancaster County, NE differs from lending across Lincoln, NE. If a Lincoln concept resembles full-service restaurant, Lincoln offers size and lender precedent; other Lincoln concepts must rest on their own Lincoln evidence. Test Lincoln coverage of debt service on a $176,000 loan, and on a $447,750 loan, after pricing Lincoln costs from bids. Lincoln is metropolitan, so submarkets differ, and a Lincoln appraisal should use the site's own Lincoln submarket comparables. Nothing printed for Lincoln predicts approval; each Lincoln lender still reviews a study.