Prism Bank
Prism Bank is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 3.1 stars across 11 Google reviews.
$34M
in SBA approvals since 2012
33
SBA loans funded
Hotels & Lodging · Fitness & Recreation · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Prism Bank
Prism Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth and expansion. With a focus on the 7A loan program, it provides flexible funding options up to $1,000,000, helping entrepreneurs access the capital they need to succeed. Located in Guthrie, Oklahoma, the bank specializes in serving local businesses but also supports a broader regional clientele. Its experienced team guides clients through the application process, ensuring clarity and efficiency. Whether you're looking to purchase equipment, real estate, or working capital, Prism Bank is equipped to assist with customized financing solutions that meet your specific needs. The bank prides itself on its community-oriented approach and commitment to fostering small business growth in the region.
Serves SBA borrowers in 2 states
Prism Bank has funded SBA loans for businesses in these states, by borrower location. Tap a state to see every lender serving it.
Industries Prism Bank finances
Business types Prism Bank actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Prism Bank
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions, providing resources and support for entrepreneurs seeking funding.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated during business hours.
What are the hours of operation?
Prism Bank's client support operates Monday through Friday from 7:00 a.m. to 1:00 a.m. CST, and Saturday 7:00 a.m. to 2:00 p.m. CST. The Guthrie branch lobby is open Monday–Friday 9:00 a.m.–4:00 p.m., with extended drive-thru hours 8:00 a.m.–6:00 p.m. weekdays and Saturday 9:00 a.m.–12:00 p.m. Confirm specific hours with Prism Bank.
Is there a fee to use this?
There are no fees to access basic information; fees may apply for specific services or loan processing, details provided upon inquiry.
Who is this open to — anyone, or only residents/members?
This service is primarily open to small businesses and entrepreneurs within the region, with eligibility based on loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally required, though higher scores improve approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of application and documentation.
Is this open on weekends?
Yes, Prism Bank is open on Saturdays with customer support available 7:00 a.m. to 2:00 p.m. CST, and the Guthrie branch offering drive-thru service from 9:00 a.m. to 12:00 p.m. Confirm with Prism Bank for current weekend availability.
How do I get there and where do I park?
Prism 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 Prism Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Prism Bank itself, which runs its own lending under its own ownership. If you work at Prism Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Prism 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 Prism Bank before applying. If you represent Prism Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Prism Bank by phone at (405) 260-2265 or online at prism.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 Prism Bank before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Prism Bank most often finances businesses in construction & contractors. This reflects Prism 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 Prism Bank which sectors 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 Prism Bank participates in SBA Express depends on its specific SBA lending authority. Contact Prism 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. Prism 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. Prism Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Prism 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 Prism 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 Prism 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 Prism 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. Prism Bank weighs this case by case under its own policy, so be upfront about your history and ask Prism Bank how it evaluates prior bankruptcies.
