Security Bank

This is a bank that offers SBA loan programs to small businesses, helping them secure funding for growth, equipment, and operational needs with personalized support.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

The bank's typical hours are Monday through Friday, 9 am to 5 pm, but it's best to contact them directly for specific scheduling or after-hours appointments.

There are no fees to access the bank's basic services, but loan processing and application fees may apply depending on the specific financing arrangement.

This service is primarily available to small business owners in the Tulsa area and surrounding regions, with certain eligibility requirements.

A minimum personal credit score of around 640 is generally preferred, though stronger credit profiles improve approval chances.

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

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

Security 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.

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

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

Contact Security Bank at (918) 664-6100 or (833) 998-4599 (24-hour), or use their form at sbtulsa.bank/About-Us/Contact-Us. For SBA loans, reach their Loan Production Office at (918) 628-5538. Confirm current methods with the bank.

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