Feasibility Study Consultant in Omaha, NE: SBA and USDA

A feasibility study in Omaha is read by a lender or a Certified Development Company before anyone else. In fiscal year 2025 this metro recorded 185 SBA 7(a) approvals for $86,482,200, and its residents split Nebraska 87.7% and Iowa 12.3% across a state line that changes the inputs. One rule a lender meets here: Nebraska and Iowa set different sales tax stacks inside one market.

The Omaha, NE-IA metro is home to about 1,001,010 residents per the U.S. Census Bureau Population Estimates, led by Douglas County, NE at 601,158; Sarpy County, NE at 204,828; Pottawattamie County, IA at 93,529; Cass County, NE at 27,492. Nebraska counties hold 878,138 of them, 87.7% of the metro; Iowa counties 122,872, 12.3%.

A national template prices this metro on its 1,001,010 residents and stops there. The rules below come from the Nebraska Department of Revenue and the Iowa Department of Revenue, and each one changes a line of the model before a lender reads it.

Nebraska and Iowa set different sales tax stacks inside one market. The Nebraska Department of Revenue states that the Nebraska state sales and use tax rate is 5.5%, and that Omaha's 1.5% local sales and use tax rate is imposed on all taxable transactions made within the city limits of Omaha. On the Iowa side the Department of Revenue gives 6% for the state sales and use tax and a 1% local option that is in force in the jurisdictions that adopted it and absent elsewhere, so two Iowa towns in one county can differ. The Omaha metro crosses the state line, so two rule sets sit inside one market. A restaurant or hotel model cannot carry a single metro sales tax line. Model each site with the rates of the state and local jurisdiction where it sits, and confirm the local option status of an Iowa site before the figure goes to a lender.

Omaha holds a Good Life District with its own state sales tax rate. The Nebraska Department of Revenue states that GLD Avenue One, a Good Life District, is located entirely within Omaha. From October 1, 2025, the state sales and use tax rate in that district remains at 2.75% on transactions by a retailer electing to be a good life district retailer that physically occur in the district, with named exclusions such as motor vehicles, motorboats and trailers. The department also states that Omaha's 1.5% local sales and use tax rate is imposed on all taxable transactions made within the city limits of Omaha, and that the Nebraska state sales and use tax rate is 5.5%. For a feasibility study, a retail, restaurant or hotel site inside the district has a different state tax input from a site elsewhere in Omaha, and the input depends on the retailer's election. Confirm the site's district status and the retailer's election with the department before modeling the rate.

Nationally, the U.S. Small Business Administration closed fiscal year 2025 having guaranteed 84,400 7(a) and 504 loans for $44.8 billion. This page computes the Omaha share from the SBA's own 7(a) and 504 FOIA release, as of June 30, 2026, by member county rather than by district office: in fiscal year 2025 the metro's eight counties recorded 185 SBA 7(a) approvals for $86,482,200 and 19 SBA 504 approvals for $19,287,000.

In fiscal year 2025 the 7(a) approvals here came from Union Bank and Trust Company (27 loans, $10,207,400), Emprise Bank (21 loans, $12,083,800), and The Huntington National Bank (19 loans, $11,100,000), listed by approval count with the names as the SBA released them. The 504 approvals that year went through Nebraska Economic Development Corporation (17 loans), North Texas Certified Development Corporation (1 loan), and Iowa Business Growth Company (1 loan). The SBA's district office field reads Nebraska District Office on 167 of the 185 fiscal year 2025 7(a) rows, 90.3%, and Des Moines District Office on 18.

Across fiscal years 2010 to 2026 disbursed, the ten asset classes tracked here account for 357 7(a) loans for $180,398,400 and 59 504 loans for $63,916,000 in this metro. In fiscal year 2025 alone those classes took 34 7(a) and 504 approvals for $35,631,100. The table sets out each class; a cell under five loans is not shown, and a charge-off rate is printed where 30 or more loans have resolved and left blank below that.

USDA Business and Industry and USDA Community Facilities credit runs on a statutory geography rather than on a county line. Under 7 U.S.C. 1991(a)(13)(A) the terms rural and rural area mean any area other than a city or town that has a population of greater than 50,000 inhabitants and any urbanized area contiguous and adjacent to such a city or town. The test turns on the subject address and the urbanized-area boundary around it, not on the name of a county or a metro. For a project in Omaha the address decides it. The metro spans eight counties in two states, from Douglas County, NE at 601,158 residents to Harrison County, IA at 14,626, and an urbanized-area boundary follows the census map rather than any county line. MMCG checks the subject address against the USDA Rural Development eligibility map at intake, before work on the study begins, and this page names no town as eligible.

A hotel feasibility study in Omaha starts from the metro's own SBA record. Across fiscal years 2010 to 2026 disbursed, hotels and motels account for 11 7(a) loans for $34,518,000 and 18 504 loans for $34,057,000 here, $68,575,000 in all. Full and limited service restaurants come to $58,986,300 over the same years.

These are the points an underwriter in Omaha reads before the rest of the file. Each traces to a government publisher or to the SBA's own file.

MMCG starts from the project address, the asset class and the lender or Certified Development Company contact. The address settles the state, the county and the rules set out above; the asset class sets which part of the SBA record applies.

The report names its sources the way this page does: the Nebraska Department of Revenue, the Iowa Department of Revenue, the SBA FOIA release, and the Census Bureau's population estimates. The method is set out in full in MMCG's feasibility study methodology.

MMCG Invest, LLC is a feasibility study consultancy that specializes in SBA and USDA feasibility studies for lenders, Certified Development Companies, USDA Rural Development guaranteed lenders and the borrowers they serve, with Omaha among the markets it covers. The practice is led by Michal Mohelsky, J.D., FMVA, Practicing Affiliate of the Appraisal Institute. Reports are prepared under SBA SOP 50 10 8.1 for 7(a) and 504 files and under 7 CFR Part 5001 for USDA files, and each one states which schedule, rate and boundary it relied on so a credit officer can check the work. Pricing starts at $4,900, standard delivery runs 9 to 16 business days, a rush track delivers in 5 business days, and every inquiry receives a response within 12 business hours.