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Central Nebraska's Business Bank

Almost all businesses require financing at one time or another.

At Flatwater Bank, we offer loans for every situation. Beyond competitive rates and terms, we offer a loan officer assigned to understanding your business and providing the exceptional service your company deserves.

Here's How We Can Help Your Business

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Lines of Credit
We can provide you with short-term working capital with flexible revolving lines of credit customized for your business.
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Secured Small Business Term Loans
A term loan to purchase assets such new as equipment or machinery, secured by assets, can be structured to meet the cash flow needs of your business.
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Real Estate & Construction Loans
Looking to expand, refinance or acquire new property? Flatwater Bank offers both interim construction loans and permanent real estate financing at convenient terms.
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Government Loans
We can work alongside local agencies to aid in financing your business. We can help you determine if conventional, SBA, or other loans may be right for you.
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Other Business Products
We offer a variety of other products and services including business checking & savings accounts, business remote deposit capture, cash management services, online & mobile banking, ACH payroll services, merchant processing, and more to make your banking experience convenient and secure.

Complete this form to start a conversation.

This form is intended for individuals at least 18 years old. If you're under the age of 18, please do not submit this inquiry form.

Why Choose Us

You need personal service from a banker who understands your business. We have been focused on serving small businesses since 1902 and have worked with clients to build solutions around their needs. We make local decisions and, like you, we are in it for the long haul.

customer service representative helping customer True Partnership
Whether you are a business of one or one hundred, you can count on us to make banking simpler and your success more achievable.
two businessmen shaking hands Unmatched Service
Our loan officers are committed to have a deep understanding of your business to provide you with the exceptional service you deserve. When you choose us, you will have a dedicated lender working to understand your goals.
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Flexible and Customizable Products
There is no one-size fits all approach when it comes to your business.  Your banker will work with you to customize a loan package with flexible payment options that will work with your cash flow needs.