Bank OZK
Bank OZK is an active SBA lender in Arkansas, a bank offering SBA-guaranteed small-business loans. Currently rated 2.6 stars across 16 Google reviews.
$671M
in SBA approvals since 2010
908
SBA loans funded
Hotels & Lodging · Restaurants & Food Service · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Bank OZK
Bank OZK offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, expansion, or operational needs. With a focus on SBA 7(a) loans, the bank provides flexible financing options that include loan amounts up to $1,204,000, designed to meet diverse business requirements. Their experienced team guides clients through the application process, ensuring clarity and efficiency. Located at 18000 Cantrell Rd in Little Rock, Arkansas, they serve a broad range of industries, emphasizing personalized service and competitive terms. Whether you're looking to purchase equipment, expand facilities, or manage cash flow, Bank OZK is equipped to support your business ambitions with tailored lending solutions. Their commitment to small business success is reflected in their extensive SBA program support and customer-centric approach, making them a reliable partner for entrepreneurs across the region.
Serves SBA borrowers in 7 states
Bank OZK has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Bank OZK finances
Business types Bank OZK actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Bank OZK
What is this place and what can I find here?
This is a financial institution offering SBA loan programs to support small business growth. You can find information about loan options, application procedures, and assistance with business financing here.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated service, but walk-ins are also welcome during business hours.
What are the hours of operation?
Bank OZK's Customer Care Team is available Monday through Friday from 7am to 7pm CT and Saturday from 7am to 4pm CT; confirm specific branch hours with your local location.
Is there a fee to use this?
There are no fees to access basic information; fees may apply for loan processing and services.
Who is this open to — anyone, or only residents/members?
This service is open to small business owners and entrepreneurs, primarily serving the local and regional community.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 680 is generally preferred for loan approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the application.
Is this open on weekends?
Bank OZK's Customer Care Team is available Saturday from 7am to 4pm CT; individual branch hours may vary.
How do I get there and where do I park?
Bank OZK is located in Arkansas — 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.
Who owns or operates this listing?
This page is an independent directory listing for Bank OZK, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Bank OZK itself, which runs its own lending under its own ownership. If you work at Bank OZK, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Bank OZK — 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 Bank OZK before applying. If you represent Bank OZK, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Bank OZK by phone at (501) 320-4050 or online at ozk.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 Bank OZK before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Bank OZK most often finances businesses in restaurants & food service, general retail, medical practices & clinics, construction & contractors, manufacturing, and hotels & lodging. This reflects Bank OZK'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 Bank OZK which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Bank OZK participates in SBA Express depends on its specific SBA lending authority. Contact Bank OZK and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
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. Bank OZK can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
Bank OZK explicitly welcomes both start-ups and established corporations for business checking and lending; contact their business team at 1-800-274-4482 to discuss startup financing eligibility.
What are the typical down payment expectations for commercial real estate acquisitions?
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 Bank OZK what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
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 Bank OZK to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
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 Bank OZK to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
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. Bank OZK weighs this case by case under its own policy, so be upfront about your history and ask Bank OZK how it evaluates prior bankruptcies.
