Chickasaw Community Bank
Chickasaw Community Bank is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 4.8 stars across 51 Google reviews.
$8M
in SBA approvals since 2012
16
SBA loans funded
Automotive Repair & Services · Gas Stations & Convenience · Manufacturing
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Chickasaw Community Bank
Chickasaw Community Bank offers comprehensive SBA lending services tailored to small businesses seeking financial growth. Whether you're looking for working capital, equipment financing, or real estate loans, this bank provides flexible solutions designed to meet diverse business needs. With a focus on personalized service, they assist clients throughout the loan process, ensuring clarity and support at every step. Their SBA programs are well-established, with a history of successful approvals, including notable loans up to $140,800. The bank's expertise in SBA 7(a) loans makes them a reliable partner for entrepreneurs aiming to expand or stabilize their operations. Located in Oklahoma City, they serve local businesses with a commitment to fostering economic development in the region. Their team understands the unique challenges faced by small businesses and offers tailored advice to help clients navigate the lending landscape effectively. Whether you're a startup or an established enterprise, Chickasaw Community Bank provides the resources and guidance needed to secure the financing you require to grow your business.
Common questions about Chickasaw Community Bank
What is this place and what can I find here?
This is a bank that offers SBA loan programs and financial services tailored to small businesses, providing guidance and funding options to support business growth.
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?
The main lobby operates from 9:00 AM to 5:00 PM Monday through Friday, with extended drive-thru hours from 8:00 AM to 6:00 PM on weekdays, and both services open Saturday 9:00 AM to 1:00 PM. Please confirm current hours with Chickasaw Community Bank.
Is there a fee to use this?
There are no fees for accessing basic consultation services; loan fees vary based on the specific financing arrangement.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local small businesses and residents within the Oklahoma City region.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is typically required.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 2 to 4 weeks, depending on the complexity of the loan application.
Is this open on weekends?
Yes, Chickasaw Community Bank is open on Saturdays from 9:00 AM to 1:00 PM at both the main lobby and drive-thru locations. Confirm hours directly with the bank.
How do I get there and where do I park?
Chickasaw Community Bank 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.
Who owns or operates this listing?
This page is an independent directory listing for Chickasaw Community Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Chickasaw Community Bank itself, which runs its own lending under its own ownership. If you work at Chickasaw Community Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Chickasaw Community Bank — 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 Chickasaw Community Bank before applying. If you represent Chickasaw Community Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
Reach Chickasaw Community Bank at (405) 946-2265 or email [email protected] for business lending inquiries. Confirm details directly with the bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Chickasaw Community Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Chickasaw Community Bank directly which industries 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 Chickasaw Community Bank participates in SBA Express depends on its specific SBA lending authority. Contact Chickasaw Community Bank 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. Chickasaw Community Bank 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?
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. Chickasaw Community Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Chickasaw Community Bank directly whether it considers start-up loans.
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 Chickasaw Community Bank 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 Chickasaw Community Bank 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 Chickasaw Community Bank 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. Chickasaw Community Bank weighs this case by case under its own policy, so be upfront about your history and ask Chickasaw Community Bank how it evaluates prior bankruptcies.
