First Oklahoma Bank

This is a commercial bank offering SBA loan programs designed to support small and medium-sized businesses with financing options for growth, equipment, and operational needs. You can find personalized service and expert guidance to help navigate the lending process.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit.

First Oklahoma Bank's main lobby operates Monday through Friday, 9:00 a.m. to 5:00 p.m., with extended drive-thru hours until 6:00 p.m. weekdays. The Jenks branch also offers Saturday drive-thru service 8:00 a.m.–12:00 p.m. Hours vary by location; confirm with First Oklahoma Bank.

There are no fees for visiting or consulting with the bank; however, standard loan application and closing fees may apply if you proceed with financing.

The bank's services are primarily available to businesses in the local region, but they welcome inquiries from eligible small and medium-sized enterprises seeking SBA loans.

A minimum personal credit score of 620 is generally preferred for SBA loan eligibility, though other factors are also considered.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of your application and supporting documents.

First Oklahoma Bank's Jenks branch offers Saturday drive-thru service from 8:00 a.m. to 12:00 p.m., but the bank is closed on Sundays. Weekend service is limited; confirm availability with the bank.

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

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

First Oklahoma Bank can be reached at (918) 392-2500 or toll-free at (833) 365-2265. For SBA lending, call (918) 392-7449 or visit applysecure.firstoklahomabank.com to apply online. Confirm details with the bank.

Based on its approved SBA loans, First Oklahoma Bank most often finances businesses in construction & contractors, restaurants & food service, general retail, medical practices & clinics, manufacturing, and automotive repair & services. This reflects First Oklahoma Bank'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 First Oklahoma Bank 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 First Oklahoma Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Oklahoma 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. First Oklahoma Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

First Oklahoma Bank supports SBA 7(a) loans to start your business. Eligible businesses must be for-profit and meet SBA standards. Contact First Oklahoma Bank directly to confirm startup financing requirements.

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