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Oklahoma Bank and Trust Company

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Description

Offering a range of SBA loan programs, this financial institution specializes in supporting small businesses with their funding needs. Whether you’re looking for working capital, equipment financing, or real estate loans, they provide tailored solutions to help your business grow. Their experienced team guides clients through the application process, ensuring clarity and support at every step. With a strong focus on SBA 7(a) loans, they are well-equipped to assist entrepreneurs in securing the capital necessary for expansion and operational stability. The bank prides itself on personalized service, quick turnaround times, and flexible lending options designed to meet diverse business requirements. Located in Clinton, Oklahoma, they serve local businesses but also have the capacity to support clients across the region. Their commitment to small business success is reflected in their comprehensive loan offerings and dedicated customer service.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
7
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs to support small business growth and development. You can find assistance with funding options like 7(a) loans, guidance through the application process, and personalized financial services tailored to your business needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in visits may be accommodated depending on availability. Calling ahead can help streamline your visit and prepare necessary documentation.
Question 3
What are the hours of operation?
Answer 3
Typically, the bank operates from 9:00 AM to 5:00 PM, Monday through Friday. It is advisable to confirm hours directly with the branch as they may vary on holidays or special occasions.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for simply visiting or consulting with the bank; however, loan applications and processing may involve fees such as guarantee fees, closing costs, or service charges depending on the specific loan product.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and residents within its regional area, but they also support clients from broader regions depending on the loan program and eligibility criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 620 is generally preferred, but other factors such as business performance and collateral are also considered during the approval process.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of your application and the complexity of your loan request.
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