Peoples Bank and Trust Company
Peoples Bank and Trust Company is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 8 Google reviews.
$124M
in SBA approvals since 2010
98
SBA loans funded
Hotels & Lodging · Gas Stations & Convenience · Real Estate & Property Management
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Peoples Bank and Trust Company
Peoples Bank and Trust Company offers comprehensive SBA lending solutions tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the bank provides various loan programs including the SBA 7(a) loan program, which is ideal for funding business expansion, equipment purchases, or working capital needs. The bank's experienced team guides clients through the application process, ensuring a smooth experience from initial inquiry to loan closing. Their expertise in SBA lending helps businesses access competitive financing options with flexible terms and favorable interest rates. Located in Edmond, Oklahoma, the bank is committed to serving the financial needs of the regional business community, fostering economic development and entrepreneurship. Whether you're starting a new venture or expanding an existing business, Peoples Bank and Trust Company is equipped to support your growth objectives with personalized service and industry knowledge.
Serves SBA borrowers in 4 states
Peoples Bank and Trust Company has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Peoples Bank and Trust Company finances
Business types Peoples Bank and Trust Company actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Peoples Bank and Trust Company
What is this place and what can I find here?
This is a bank that offers SBA loan programs and financial services tailored for small businesses, including support for expansion and working capital needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
Peoples Bank and Trust Company's Edmond Branch lobby is open Monday through Friday, 9:00 AM to 5:00 PM, with drive-thru hours from 8:00 AM to 5:00 PM weekdays. The Ryan Headquarters is open Monday through Thursday, 9:00 AM to 3:00 PM, and Friday 9:00 AM to 6:00 PM. Please confirm specific hours with your local branch, as hours may vary.
Is there a fee to use this?
There are no fees for accessing basic information, but loan applications and services may involve standard processing and closing costs.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small businesses in the Edmond area, though some services may be available regionally.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is typically preferred, but requirements may vary based on the loan type and borrower profile.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.
Is this open on weekends?
Peoples Bank and Trust Company is closed on Sundays, but the Edmond Branch offers Saturday services by appointment only. Please contact the bank to schedule a weekend appointment.
How do I get there and where do I park?
Peoples Bank and Trust Company 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 Peoples Bank and Trust Company, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Peoples Bank and Trust Company itself, which runs its own lending under its own ownership. If you work at Peoples Bank and Trust Company, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Peoples Bank and Trust Company — 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 Peoples Bank and Trust Company before applying. If you represent Peoples Bank and Trust Company, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can contact Peoples Bank and Trust Company by phone at (405) 531-9420 for the Edmond Branch or (580) 757-2409 for the Ryan Headquarters. You can also email verify@peoplesbankusa.com or submit a contact form at peoplesbankusa.com/contact/ for general inquiries. Confirm your specific lending contact with the bank directly.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Peoples Bank and Trust Company most often finances businesses in restaurants & food service, hotels & lodging, manufacturing, wholesale & distribution, automotive repair & services, and gas stations & convenience. This reflects Peoples Bank and Trust Company'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 Peoples Bank and Trust Company which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
Peoples Bank and Trust Company offers SBA Express loans as part of its SBA lending program. SBA Express provides faster turnaround for loans up to $500,000. Contact their commercial lending team to discuss SBA Express eligibility for your specific business.
Does this bank have Preferred Lender Provider status with the government?
Peoples Bank and Trust Company holds formal SBA Preferred Lender Program (PLP) status, allowing them to approve SBA loans in-house without additional SBA review, which typically means faster loan decisions. Confirm current PLP status details with the bank.
Are start-up companies eligible for financing at this traditional institution?
Peoples Bank and Trust Company explicitly supports start-up business financing through their SBA 7(a) Loan Program, which lists 'Start-Up Business' as one of the approved uses for loan proceeds. Contact their commercial lenders to discuss your start-up's eligibility.
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 Peoples Bank and Trust Company 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 Peoples Bank and Trust Company 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 Peoples Bank and Trust Company 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. Peoples Bank and Trust Company weighs this case by case under its own policy, so be upfront about your history and ask Peoples Bank and Trust Company how it evaluates prior bankruptcies.
