FandM Bank

This is a bank that offers SBA loan programs and small business banking services, helping entrepreneurs access funding for growth and expansion.

It is recommended to schedule an appointment with a loan officer, but walk-in consultations may also be available during business hours.

This F&M Bank location in Edmond has lobby hours Monday through Friday, 9am to 4pm, and drive-through hours Monday through Friday, 8am to 5pm. Contact F&M Bank directly at (405) 715-1100 to confirm.

There are no fees to visit the branch, but loan processing and application fees may apply depending on the service used.

This bank primarily serves local residents and small business owners within its regional service area, but some services may be available nationwide.

A minimum personal credit score of around 640 is generally preferred, though higher scores can improve approval prospects.

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

This F&M Bank location is closed on weekends. Business lending staff operate during weekday hours only—Monday through Friday.

FandM 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.

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

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

You can reach FandM Bank by phone at (405) 715-1100 or online at fmbankok.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 FandM Bank before relying on them.

Like most SBA lenders, FandM 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 FandM Bank directly which industries 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 FandM Bank participates in SBA Express depends on its specific SBA lending authority. Contact FandM Bank 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. FandM Bank 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. FandM Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask FandM Bank 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 FandM Bank 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 FandM Bank 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 FandM Bank 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. FandM Bank weighs this case by case under its own policy, so be upfront about your history and ask FandM Bank how it evaluates prior bankruptcies.