SpiritBank

This is a bank that offers SBA loan programs and small business financing solutions, providing expert guidance and personalized service to help entrepreneurs access the capital they need.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may be available during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with additional hours by appointment.

There are no fees for initial consultations; however, loan processing and application fees may apply depending on the loan type and terms.

This service is primarily available to small business owners and entrepreneurs within the bank's regional service area, though specific eligibility criteria apply.

A minimum personal credit score of 640 is generally preferred, but the actual requirement may vary based on the loan specifics and applicant 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 SpiritBank 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 SpiritBank to confirm current weekend availability before you go.

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

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

You can reach SpiritBank by phone at (918) 712-9292 or online at spiritbank.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 SpiritBank before relying on them.

Based on its approved SBA loans, SpiritBank most often finances businesses in restaurants & food service and manufacturing. This reflects SpiritBank'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 SpiritBank which sectors it actively lends to before you apply.

SpiritBank participates in SBA Express, offering loans up to $350,000 with an accelerated 36-hour SBA review timeline. Contact SpiritBank's SBA lending department to confirm current terms and your eligibility.

Yes, SpiritBank holds SBA Preferred Lender status in Oklahoma, enabling in-house loan approval and faster decisions than traditional lenders. Confirm current status and program details directly with SpiritBank.

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. SpiritBank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask SpiritBank 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 SpiritBank 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 SpiritBank 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 SpiritBank 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. SpiritBank weighs this case by case under its own policy, so be upfront about your history and ask SpiritBank how it evaluates prior bankruptcies.