Overhead view of two people shaking hands.

Loans

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 Manager® Lines

OSB offers the leading accounts receivable financing line in the industry to help you manage cash flow and grow your business through quick pay-out and management of your receivables.

  • Peace of mind with a predictable cash flow solution through conversion of receivables to immediate cash
  • Management of payments from your customers through our advanced OSB Lockbox System
    Leading technology, management reporting, and support team readily available to your business


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

Agricultural Loans

America's farmers are the backbone of our economy and the lifeblood of our land. We offer several types of loans for agricultural purposes to help them achieve their financial goals. Our loans cover a wide scope of agricultural needs, ranging from equipment, feed and seed, seasonal fluctuations, and emergency expenses.

  • Cover all your agricultural needs
  • Purchase equipment, livestock, or seed
  • Be prepared for seasonal fluctuations
  • Experienced officers to help you at every step
  • Competitive rates and affordable payment schedules


SBA Loans

If you're planning on starting a new business or expanding one, a Small Business Administration (SBA) loan from Oklahoma State Bank could be the perfect option to get the funding needed for your business. SBA loans are structured to meet your specific business needs and can be used to purchase or renovate real estate, acquire fixed assets such as heavy machinery or specialized equipment, or supply working capital for ongoing financing needs. Our experts have the resources to help you with a variety of SBA loans.

  • Available for amounts up to $5,000,000
  • Available as a line of credit or term loan
  • Designed to provide easy access to working capital and fund equipment purchases
  • Loans secured by business or personal assets
  • Fixed or variable rates not exceeding 2.75% over Wall Street Journal prime rate
  • Maximum term of 10 years
  • Small Business Administration fee applies to all SBA loans
  • Loans secured by business or personal assets
 
New Business Account Requirement