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Small Business Loans in Oklahoma

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10 Small Business Loans in Oklahoma

Our compilation is a distinct study of small business financiers in Oklahoma, grounded in solid, confirmable data. We've ranked them by the volume of small business loans they've disbursed this year.

Simply put, this lineup includes the financial institutions that are actively extending the highest number of loans to Oklahoma's small businesses.

(This contrasts sharply with some sites that mainly discuss nonprofit organizations with limited lending or government schemes that are out of reach for many businesses!)

Takeaway: Small, local, and regional banks issue the majority of small business loans in Oklahoma. 

Methodology: Our analysis is anchored in data from SBA 7a loans, meaning each lender featured provides SBA loans. Additionally, we've detailed other small business loan options available through their online platforms.

Given that conventional banks often mandate high credit scores and a business history of over two years, our guide begins with two alternative financial solutions tailored for entrepreneurs with less-than-ideal credit or those newly established in business.

1. Credit Suite

Credit Suite operates at the intersection of business credit guidance and software development, providing two innovative financial solutions beyond the conventional offerings.

For businesses that have been operational for a few years with modest credit requirements, Cash Flow Financing presents an excellent opportunity. It allows businesses to utilize their existing cash flows as collateral for obtaining adaptable financial support. Instead of fixed monthly installments, repayment is tailored to a fraction of the business's continuous cash flow.

Meanwhile, the Credit Line Hybrid is aimed at those prioritizing personal creditworthiness, sidestepping the need for comprehensive financial documentation, bank statements, or elaborate business proposals. 

This option is specifically crafted for emerging startups and entrepreneurs, with available funding ranging from $5,000 to $150,000, ideally suited for enterprises in the early stages, particularly those younger than two years.

Business financing options offered:

  • Credit Suite Cash Flow Financing

  • Credit Suite Credit Line Hybrid

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2. BancFirst

BancFirst issues more SBA loans than any other bank or lender in Oklahoma. They have diverse business financing offerings and business credit cards. 

Business financing options offered:

  • SBA 7a & 504 loans

  • Working Capital Loans

  • Term Loans

  • Construction Loans

  • Real Estate Loans

  • Energy Loans

  • Agribusiness Loans

  • Special Purpose Loans

  • 4 business credit cards

3. Arvest Bank

Arvest Bank, with its roots in Arkansas, extends its services across the neighboring Midwestern states. It provides a standard suite of small business financing solutions, along with three distinct business credit card options.

Business financing options offered:

  • Term Loans

  • SBA Loans

  • Lines of Credit

  • Real Estate Loans

  • Commercial Real Estate Loans

  • Equipment Financing

  • 3 Business Credit Cards

4. The Huntington National Bank

Huntington National Bank stands out not only as a premier lender for small businesses in this state but also as the leading originator of SBA 7a loans nationwide. 

This distinction ensures their presence among the top 10 lenders in almost every other state, underscoring their commitment to small business partnerships. 

Beyond SBA loans, Huntington provides a comprehensive array of financing solutions tailored for small businesses, such as leasing options for equipment, agricultural financing, and diverse real estate lending services.

Business financing options offered:

  • SBA 7a Loans

  • Equipment Leasing

  • Church Lending

  • Greek House Financing

  • Agricultural Loans

  • Warehouse Lending

  • Real Estate Loans, Term Loans, and Lines of Credit

5. Live Oak Banking Company

Live Oak Bank is renowned for its extensive SBA lending activities across the United States. 

While their website might not provide detailed information about their varied loan options, they demonstrate a strong commitment to comprehending the specific sectors their clients operate in. 

Highlighting this, their website mentions 48 distinct industries, asserting that they offer specialized financing solutions tailored to each of these sectors.

Business financing options offered:

  • SBA Loans

  • USDA Loans

  • Industry Vertical Loans

6. Great Plains National Bank

Great Plains is a bank primarily in Oklahoma, with a few offices in the Dallas area. They have a diverse range of small business loans.

Business financing options offered:

  • Agricultural Loans

  • Construction/Development Financing

  • Equipment Financing

  • Real Estate Loans

  • Working Capital Financing

  • BUSINESSMANAGER® - Invoice financing

  • SBA Loans

  • Energy Lending Solutions

  • 2 business credit cards

7. Security Bank

Security Bank is a local bank based in Tulsa. They offer a wider variety of small business loans. 

Business financing options offered:

  • Business Visa Debit Card

  • Corporate Credit Cards & Purchasing Cards

  • Term Loans

  • Small Business Administration (SBA) Loans

  • Business Lines of Credit

  • Commercial Real Estate Loans

  • 4 Business Credit Cards

8. MidFirst Bank

MidFirst Bank is a small bank based in Oklahoma with a modest group of small business loan offerings.

Business financing options offered:

  • Business Express Lending
  • Business Lines of Credit
  • Business Term Loans
  • SBA Loans
  • Commercial Real Estate Lending

9. Regent Bank

Regent is a small bank that issues lots of SBA loans. Their website calls out several different “specialized divisions” for business services, including healthcare, cannabis, non-profit, agricultural, tech, and Hispanic banking.

Business financing options offered:

  • SBA 7a

  • SBA 504

  • USDA Loan Program

  • Lines of Credit

10. BayFirst National Bank

BayFirst National is primarily dedicated to providing SBA loans. Their promotional messaging on the website boasts of "Lightning Fast Business Loans!" and highlights the presence of an "In-house team, quick funding" capability. 

This is made possible by their dedicated in-house underwriting team, ensuring both swift processing and deep knowledge.

The ability to expedite the typically lengthy SBA loan funding process presents a significant edge for them in the lending market. 

Business financing options offered:

  • SBA Loans

  • Commercial Real Estate Loans

  • Commercial Term Loans

  • Commercial Lines of Credit

  • Construction Loans

  • Heavy Equipment Financing

How to apply for a small business loan in Oklahoma 

Getting your small business funded doesn't have to be overwhelming, regardless of how many steps may be involved. Let the leading business guides at Credit Suite help you along the way!

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