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Patrons Bank National Association

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Description

Patrons Bank National Association offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financing options. With a focus on supporting business growth, this bank provides a range of SBA loan programs including the popular 7(a) loan program, which is ideal for various business needs such as working capital, equipment purchase, or real estate acquisition. Their experienced lending team works closely with clients to understand their unique financial situations and craft suitable loan solutions. Located in Okmulgee, Oklahoma, the bank emphasizes personalized service and flexible lending criteria to help businesses succeed. They support loans up to $1,875,000, making them a strong choice for businesses requiring substantial funding. The bank’s commitment to small business growth is reflected in their support of SBA programs designed to foster economic development and entrepreneurship. Whether you’re starting a new venture or expanding an existing business, Patrons Bank is equipped to assist with your financing needs through their SBA offerings.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.7
Google Review Count
83
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that provides SBA loan programs to help small and medium-sized businesses access financing for growth, expansion, or startup needs. You can find personalized lending services, guidance through the application process, and support for loans up to $1,875,000.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to meet with a loan officer, but walk-in consultations may also be available depending on availability. Contact the bank in advance to ensure dedicated time with a specialist.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It"s best to call ahead to confirm hours or schedule an appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access the bank"s services; however, loan-specific fees such as guarantee fees, packaging fees, and interest charges may apply depending on your financing arrangement.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves residents and businesses within Oklahoma, but they may consider out-of-state applicants based on specific criteria and loan programs.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, but the exact requirement can vary based on the loan type and borrower profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.
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