The First National Bank and Trust Company of Broken Arrow
The First National Bank and Trust Company of Broken Arrow is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 4.4 stars across 75 Google reviews.
$12M
in SBA approvals since 2010
32
SBA loans funded
Manufacturing · General Retail · Dental Practices
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About The First National Bank and Trust Company of Broken Arrow
The First National Bank and Trust Company of Broken Arrow offers comprehensive SBA lending services tailored for small and medium-sized businesses. With a focus on supporting local economic growth, this bank provides various loan options including the SBA 7(a) program, which is ideal for business acquisitions, working capital, and equipment financing. Their experienced team assists clients through every step of the loan process, ensuring a smooth experience from application to funding. Located conveniently in Broken Arrow, OK, they serve a diverse range of industries and are committed to fostering business success in the community. The bank's expertise in SBA lending allows them to offer competitive terms and flexible financing options, making them a trusted partner for entrepreneurs seeking growth capital. Whether you're starting a new venture or expanding an existing business, they are equipped to help you achieve your financial goals with personalized service and industry knowledge. Their commitment to supporting local businesses is evident in their dedicated approach to understanding each client's unique needs and providing tailored solutions. With a history of successful SBA program support, they are well-positioned to assist in securing the funding necessary for your business's next chapter.
Common questions about The First National Bank and Trust Company of Broken Arrow
What is this place and what can I find here?
This is a local bank offering SBA loan programs and financial services tailored for small businesses, including support for growth, expansion, and equipment financing.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are also welcome during business hours.
What are the hours of operation?
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.
Is there a fee to use this?
There are fees associated with loan processing and closing, which vary depending on the loan specifics and amount.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small businesses within the region, but eligibility depends on meeting specific loan criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 640 is generally recommended for guarantors seeking SBA loans.
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 complexity of the application and completeness of documentation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and The First National Bank and Trust Company of Broken Arrow 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 Company of Broken Arrow to confirm current weekend availability before you go.
How do I get there and where do I park?
The First National Bank and Trust Company of Broken Arrow 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 Company of Broken Arrow, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The First National Bank and Trust Company of Broken Arrow itself, which runs its own lending under its own ownership. If you work at The First National Bank and Trust Company of Broken Arrow, 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 Company of Broken Arrow — 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 Company of Broken Arrow before applying. If you represent The First National Bank and Trust Company of Broken Arrow, 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 Company of Broken Arrow by phone at (918) 251-5371 or online at fnbba.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 Company of Broken Arrow before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, The First National Bank and Trust Company of Broken Arrow can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask The First National Bank and Trust Company of Broken Arrow directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
First National Bank and Trust Company of Broken Arrow offers SBA 7A Express loans up to $350,000 with streamlined processing for smaller financing needs. Confirm current terms and rates directly with their SBA lending team at 918-251-5371.
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 Company of Broken Arrow 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?
First National Bank and Trust Company of Broken Arrow supports startup businesses through their SBA 7A loan program, which explicitly lists startup financing as an eligible use. Contact their SBA lending team to discuss specific requirements and rates.
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 Company of Broken Arrow 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 Company of Broken Arrow 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 Company of Broken Arrow 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 Company of Broken Arrow weighs this case by case under its own policy, so be upfront about your history and ask The First National Bank and Trust Company of Broken Arrow how it evaluates prior bankruptcies.
