BancFirst

This is a bank that offers SBA loan programs to small businesses, providing financing options to support growth, expansion, and operational needs. You can find personalized assistance and expert guidance on SBA lending processes here.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may also be accommodated depending on availability.

Typically, the bank operates from 9 AM to 5 PM, Monday through Friday, but it's best to confirm directly with the branch for specific hours.

There are no fees to access basic consultation services, but loan processing and application fees may apply depending on the loan type and amount.

This service is primarily available to small business owners within the Oklahoma region, though some programs may have broader eligibility criteria.

A minimum personal credit score of 680 is generally preferred, though each application is evaluated on a case-by-case basis.

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

Most banks keep weekday business hours and are closed on weekends, and BancFirst 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 BancFirst to confirm current weekend availability before you go.

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

The core details for BancFirst — 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 BancFirst before applying. If you represent BancFirst, claim this listing to keep its information up to date.

For SBA loans specifically, contact BancFirst's SBA Lending department at (405) 270-4741. You can also submit inquiries through their online contact form at bancfirst.bank/Contact-Us with an SBA option. Confirm current hours and availability directly with the lender.

Based on its approved SBA loans, BancFirst most often finances businesses in restaurants & food service, construction & contractors, general retail, manufacturing, medical practices & clinics, and transportation & trucking. This reflects BancFirst's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with BancFirst which sectors 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 BancFirst participates in SBA Express depends on its specific SBA lending authority. Contact BancFirst 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. BancFirst can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. BancFirst's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask BancFirst directly whether it considers start-up loans.

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 BancFirst 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 BancFirst 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 BancFirst 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. BancFirst weighs this case by case under its own policy, so be upfront about your history and ask BancFirst how it evaluates prior bankruptcies.