Oakworth Capital Bank

This is a financial institution offering SBA loan programs and banking services designed to support small and medium-sized businesses in their growth and development efforts.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also accommodated depending on availability.

Oakworth Capital Bank is open Monday through Friday from 8:30 AM to 5:00 PM. Please confirm specific hours with the location you plan to visit.

There are no fees for simply visiting or consulting; fees apply only when processing loans or financial services as per the specific product terms.

This bank primarily serves local residents and small businesses within its regional area, but eligibility depends on meeting specific financial criteria.

A minimum personal credit score of approximately 640 is generally preferred for loan approval, though other factors are also considered.

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

Oakworth Capital Bank is closed on weekends; business is conducted Monday through Friday only. Contact during business hours for SBA lending inquiries.

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

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

You can reach Oakworth Capital Bank by phone at (205) 263-4700, via email at solutions@oakworth.com, or through their contact form at oakworth.com/contact-us. For SBA loans, ask for their business lending department.

Based on its approved SBA loans, Oakworth Capital Bank most often finances businesses in medical practices & clinics and general retail. This reflects Oakworth Capital 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 Oakworth Capital 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 Oakworth Capital Bank participates in SBA Express depends on its specific SBA lending authority. Contact Oakworth Capital 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. Oakworth Capital 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. Oakworth Capital Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Oakworth Capital 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 Oakworth Capital 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 Oakworth Capital 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 Oakworth Capital 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. Oakworth Capital Bank weighs this case by case under its own policy, so be upfront about your history and ask Oakworth Capital Bank how it evaluates prior bankruptcies.