Bank OZK

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.

Ask Bank OZK directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Bank OZK's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Bank OZK and the SBA program — ask the lender for its current schedule.

This service is open to small business owners and entrepreneurs, primarily serving the local and regional community.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Bank OZK what it looks for today.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the application.

Most bank SBA teams work weekdays; confirm with Bank OZK before planning a weekend visit.

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.

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.

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.

You can reach Bank OZK by phone at (501) 320-4050 or online at www.ozk.com/personal — the same details are in the contact card on this page.

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.

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.

Whether Bank OZK has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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.

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.

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.

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.

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.