Valor Bank
Valor Bank is an active SBA lender in Oklahoma, a bank offering SBA-guaranteed small-business loans. Currently rated 4.9 stars across 171 Google reviews.
$2M
in SBA approvals since 2018
6
SBA loans funded
Construction & Contractors · Fitness & Recreation · Restaurants & Food Service
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Valor Bank
Valor Bank offers comprehensive SBA lending services tailored to small and medium-sized businesses seeking financial support for growth, working capital, or acquisition needs. With a focus on personalized service, the bank provides access to various SBA loan programs, including the popular 7A program, which is ideal for a wide range of business purposes. Their experienced lending team guides clients through the application process, ensuring clarity and efficiency. Located in Edmond, Oklahoma, Valor Bank is committed to fostering local economic development and supporting entrepreneurs in the region. The bank's flexible lending options and competitive terms make it a strong partner for business owners looking to expand or stabilize their operations. Whether you're a startup or an established business, Valor Bank's SBA offerings can help you achieve your financial goals with confidence. Their dedicated team understands the nuances of SBA loans and works closely with clients to tailor solutions that meet their unique needs. From initial consultation to funding disbursement, Valor Bank strives to provide a seamless experience for small business owners.
Common questions about Valor Bank
What is this place and what can I find here?
This is a commercial bank offering SBA loan programs designed to support small and medium-sized businesses with financing solutions tailored to their needs.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, 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 no fees for visiting the bank; however, loan application and processing fees may apply depending on the service.
Who is this open to — anyone, or only residents/members?
This bank primarily serves local residents and small business owners in the Edmond area, but services are available to qualified applicants nationwide through SBA programs.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 680 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 30 to 60 days, depending on the completeness of the application and documentation provided.
Is this open on weekends?
Valor Bank's main lobby is closed on weekends, but the drive-thru window is open Saturday mornings from 9:00 AM to 12:00 PM. Confirm SBA lending availability on Saturdays with Valor Bank.
How do I get there and where do I park?
Valor 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 Valor Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Valor Bank itself, which runs its own lending under its own ownership. If you work at Valor Bank, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Valor 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 Valor Bank before applying. If you represent Valor Bank, claim this listing to keep its information up to date.
How do I contact this listing directly?
Contact Valor Bank at (405) 212-9800, toll-free 888.689.1551, or email success@valor.bank. Use their contact form at https://valor.bank/contact for SBA loan inquiries and confirm details with Valor Bank.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, Valor Bank 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 Valor Bank directly which industries 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 Valor Bank participates in SBA Express depends on its specific SBA lending authority. Contact Valor 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. Valor 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. Valor Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Valor 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 Valor 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 Valor 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 Valor 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. Valor Bank weighs this case by case under its own policy, so be upfront about your history and ask Valor Bank how it evaluates prior bankruptcies.
