The First National Bank and Trust Co, Chickasha, Oklahoma
The First National Bank and Trust Co, Chickasha, Oklahoma is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 3.5 stars across 29 Google reviews.
$13M
in SBA approvals since 2011
24
SBA loans funded
Manufacturing · Restaurants & Food Service · Construction & Contractors
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The First National Bank and Trust Co, Chickasha, Oklahoma
The First National Bank and Trust Co offers comprehensive SBA lending services tailored to small businesses seeking financial support. With a focus on serving local entrepreneurs, this bank provides various loan options, including SBA 7(a) loans, to help fund business expansion, equipment purchases, or working capital needs. Located in Chickasha, Oklahoma, it specializes in serving the regional market with personalized banking solutions. Their experienced team guides clients through the application process, ensuring clarity and support at every step. The bank's primary NAICS code, 448190, indicates a focus on retail trade, aligning with their commitment to supporting local retail businesses. They have approved loans up to $65,000, demonstrating their capacity to handle small to medium-sized business financing. Whether you're starting a new venture or expanding an existing one, this bank provides the financial tools necessary for growth and success.
Industries The First National Bank and Trust Co, Chickasha, Oklahoma finances
Business types The First National Bank and Trust Co, Chickasha, Oklahoma actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about The First National Bank and Trust Co, Chickasha, Oklahoma
What is this place and what can I find here?
This is a local bank offering SBA loan programs and banking services tailored to small businesses in the Chickasha area. You can find assistance with business financing, account management, and financial advice to support your business growth.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a banking specialist, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with some services available by appointment outside these hours.
Is there a fee to use this?
There are no fees to visit the bank; however, certain banking services and loan applications may involve fees or interest charges.
Who is this open to — anyone, or only residents/members?
This bank primarily serves residents and small business owners within the Chickasha region, but qualified applicants from surrounding areas may also be considered.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 650 is generally preferred, though other factors are also considered.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of the application and supporting documents.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and The First National Bank and Trust Co, Chickasha, Oklahoma 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 The First National Bank and Trust Co, Chickasha, Oklahoma to confirm current weekend availability before you go.
How do I get there and where do I park?
The First National Bank and Trust Co, Chickasha, Oklahoma 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 The First National Bank and Trust Co, Chickasha, Oklahoma, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The First National Bank and Trust Co, Chickasha, Oklahoma itself, which runs its own lending under its own ownership. If you work at The First National Bank and Trust Co, Chickasha, Oklahoma, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for The First National Bank and Trust Co, Chickasha, Oklahoma — 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 The First National Bank and Trust Co, Chickasha, Oklahoma before applying. If you represent The First National Bank and Trust Co, Chickasha, Oklahoma, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach The First National Bank and Trust Co, Chickasha, Oklahoma by phone at (405) 224-2200 or online at bankfnbt.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 The First National Bank and Trust Co, Chickasha, Oklahoma before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, The First National Bank and Trust Co, Chickasha, Oklahoma most often finances businesses in general retail, manufacturing, and restaurants & food service. This reflects The First National Bank and Trust Co, Chickasha, Oklahoma'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 The First National Bank and Trust Co, Chickasha, Oklahoma 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 The First National Bank and Trust Co, Chickasha, Oklahoma participates in SBA Express depends on its specific SBA lending authority. Contact The First National Bank and Trust Co, Chickasha, Oklahoma 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. The First National Bank and Trust Co, Chickasha, Oklahoma 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. The First National Bank and Trust Co, Chickasha, Oklahoma's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The First National Bank and Trust Co, Chickasha, Oklahoma 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 The First National Bank and Trust Co, Chickasha, Oklahoma 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 The First National Bank and Trust Co, Chickasha, Oklahoma 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 The First National Bank and Trust Co, Chickasha, Oklahoma 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. The First National Bank and Trust Co, Chickasha, Oklahoma weighs this case by case under its own policy, so be upfront about your history and ask The First National Bank and Trust Co, Chickasha, Oklahoma how it evaluates prior bankruptcies.
