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The Payne County Bank

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The Payne County Bank
The Payne County Bank

Description

Offering comprehensive SBA lending services, The Payne County Bank specializes in providing financial solutions for small businesses seeking growth capital, working capital, or equipment financing. With a focus on supporting local enterprises, this bank leverages its expertise to facilitate SBA 7(a) loans, helping entrepreneurs access funding with favorable terms and conditions. Their team is dedicated to guiding clients through the application process, ensuring a smooth experience from start to finish. Located in Perkins, Oklahoma, the bank is committed to fostering economic development within the community and beyond. They serve a broad range of industries, with particular strength in professional services, manufacturing, and retail sectors. Whether you’re a startup or an established business, The Payne County Bank offers tailored financial products designed to meet diverse needs. Their knowledgeable staff is ready to assist with loan structuring, application submission, and ongoing support, making them a reliable partner for small business financing.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
34
Question 1
What is this place and what can I find here?
Answer 1
This is a community-focused bank offering SBA lending services, including 7(a) loans, to help small businesses access financing for growth and development.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for initial inquiries; however, loan processing and closing may involve fees as outlined in the loan agreement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves local residents and small business owners within the community and surrounding areas.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 or higher is generally required for loan consideration.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and supporting documents.
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