Kirkpatrick Bank

This is a commercial bank offering SBA loan programs, including the 7A program, to help small businesses secure funding for growth, equipment, and operational needs in Edmond, Oklahoma.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may also be available during business hours.

The bank operates during standard business hours from 9 am to 5 pm, Monday through Friday, but it's best to confirm directly with the branch.

There are no fees to consult or inquire about SBA loans; however, specific loan processing fees and closing costs may apply depending on the loan terms.

The bank primarily serves local residents and businesses in Edmond and the surrounding region, but eligibility for SBA loans depends on meeting specific financial criteria.

A minimum personal credit score of 640 is generally recommended, though higher scores may improve approval chances.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of the application and documentation provided.

Most banks keep weekday business hours and are closed on weekends, and Kirkpatrick Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Kirkpatrick Bank to confirm current weekend availability before you go.

Kirkpatrick Bank is located in Oklahoma — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Kirkpatrick Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Kirkpatrick Bank itself, which runs its own lending under its own ownership. If you work at Kirkpatrick Bank, you can claim this listing from this page to manage it.

The core details for Kirkpatrick Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Kirkpatrick Bank before applying. If you represent Kirkpatrick Bank, claim this listing to keep its information up to date.

You can reach Kirkpatrick Bank by phone at (405) 341-8222 or online at kirkpatrickbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Kirkpatrick Bank before relying on them.

Like most SBA lenders, Kirkpatrick Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Kirkpatrick Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Kirkpatrick Bank participates in SBA Express depends on its specific SBA lending authority. Contact Kirkpatrick Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Kirkpatrick Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

Kirkpatrick Bank provides SBA loans for startup financing as part of their business lending services; SBA loans are available for business startup purposes as well as acquisition, equipment, and inventory. Confirm current startup eligibility requirements and equity/collateral needs directly with the bank.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Kirkpatrick Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Kirkpatrick Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Kirkpatrick Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Kirkpatrick Bank weighs this case by case under its own policy, so be upfront about your history and ask Kirkpatrick Bank how it evaluates prior bankruptcies.