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Oklahoma State Bank understands that businesses need capital to grow. Whether your business needs to acquire real estate, finance new equipment or improve cash flow with a receivables line of credit, we’re here to help.

Commercial Real Estate Loans

OSB has a team of experienced real estate lenders ready to help you expand and grow your business. We offer a full range of acquisition and development loans, construction loans, and loans for permanent financing. Plus, our local decision-making capability allows quick decisions and funding.

We can be your partner in real estate transactions including:

  • Development
  • Multi-family
  • Owner-occupied business real estate
  • Investor owner business real estate
  • Special purpose properties

Business Lending

OSB offers a full array of business financing services including:

  • Working capital lines of credit
  • Term loans for equipment purchases
  • Accounts receivable and inventory financing
  • Farm and agriculture loans

Term Business Loans

Whether it's for business expansion, equipment, or other long-term capital requirements, a term loan may be what you need to help your company grow. By having your financial needs covered, you get peace of mind and free your time to conduct your day-to-day operations. As a community oriented institution, we understand the needs of our local businesses. Oklahoma State Bank has helped businesses meet their financial needs for over 100 years.

  • Competitive fixed or variable interest rates
  • Affordable repayment schedules
  • Money provided as upfront lump sum
  • Quick application process
  • Local decision-making
  • Local servicing for the life of the loan
  • Customized to your needs by our experienced lenders

Operating Line of Credit Loans

Your cash flow requirements may vary with each business cycle, or even on a seasonal basis, and you may find yourself in need of liquidity to see your business through. An operating line of credit from Oklahoma State Bank may provide the cash flow you need. Whether to finance accounts receivable, purchase inventory, or borrow short-term for other operating needs, our expert lenders will customize a loan to suit the needs of your business. Applying is easy and decisions are made quickly and locally.

  • Competitive interest rates
  • Affordable repayment schedules
  • Easy application process
  • Local servicing for the life of the loan
  • Customized to your needs by our experienced lenders

Energy Loans

The oil and gas industry plays an important role in Oklahoma's economy and Oklahoma State Bank has the experience to help with its various financial needs. Our commercial lenders can assist in providing your business the financial resources you need to acquire or explore properties, or to assist in any aspect of your energy operations.

  • Cover exploration and production expenses
  • Capital for drilling and development programs
  • Onshore production
  • Experienced personnel in oil and gas industry lending
New Business Account Requirement