Patrons Bank National Association

This is a bank that provides SBA loan programs to help small and medium-sized businesses access financing for growth, expansion, or startup needs. You can find personalized lending services, guidance through the application process, and support for loans up to $1,875,000.

It's recommended to schedule an appointment to meet with a loan officer, but walk-in consultations may also be available depending on availability. Contact the bank in advance to ensure dedicated time with a specialist.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's best to call ahead to confirm hours or schedule an appointment.

There are no fees to access the bank's services; however, loan-specific fees such as guarantee fees, packaging fees, and interest charges may apply depending on your financing arrangement.

This bank primarily serves residents and businesses within Oklahoma, but they may consider out-of-state applicants based on specific criteria and loan programs.

A minimum personal credit score of around 640 is generally preferred, but the exact requirement can vary based on the loan type and borrower profile.

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

Most banks keep weekday business hours and are closed on weekends, and Patrons Bank National Association 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 Patrons Bank National Association to confirm current weekend availability before you go.

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

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

You can reach Patrons Bank National Association by phone at (918) 756-8440 or online at patrons.bank — 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 Patrons Bank National Association before relying on them.

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