Oklahoma Capital Bank
Oklahoma Capital Bank is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 2 Google reviews.
About Oklahoma Capital Bank
Oklahoma Capital Bank offers comprehensive SBA lending services tailored to meet the needs of small and medium-sized businesses. With a focus on supporting growth and expansion, the bank provides various loan programs including the SBA 7(a) and 504 loan options. Their experienced team guides clients through the application process, ensuring access to capital for business acquisitions, equipment purchases, and working capital needs. Located in Tulsa, they serve a diverse range of industries, emphasizing personalized service and flexible financing solutions. The bank's expertise in SBA lending helps entrepreneurs and established businesses secure funding with competitive terms and favorable rates. Whether you're starting a new venture or expanding an existing operation, Oklahoma Capital Bank is equipped to assist with your financial goals.
Common questions about Oklahoma Capital Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and business financing solutions designed to help small and medium-sized businesses grow and succeed.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment for personalized service, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Is there a fee to use this?
There are fees associated with loan processing and closing, which vary depending on the loan size and terms.
Who is this open to — anyone, or only residents/members?
This service is open to small and medium-sized businesses nationwide that meet the qualification criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally required for loan approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Oklahoma Capital Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Oklahoma Capital Bank to confirm current weekend availability before you go.
How do I get there and where do I park?
Oklahoma Capital 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 Oklahoma Capital Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Oklahoma Capital Bank itself, which runs its own lending under its own ownership. If you work at Oklahoma Capital Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Oklahoma 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 Oklahoma Capital Bank before applying. If you represent Oklahoma Capital Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Oklahoma Capital Bank by phone at (918) 998-0990 or online at oklahomacapitalbank.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 Oklahoma Capital Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Oklahoma Capital 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 Oklahoma Capital 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 Oklahoma Capital Bank participates in SBA Express depends on its specific SBA lending authority. Contact Oklahoma Capital 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. Oklahoma Capital 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. Oklahoma Capital Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Oklahoma Capital 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 Oklahoma Capital 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 Oklahoma Capital 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 Oklahoma Capital 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. Oklahoma Capital Bank weighs this case by case under its own policy, so be upfront about your history and ask Oklahoma Capital Bank how it evaluates prior bankruptcies.
