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Whether you are establishing your business or have been in business for many years, you require a broad range of financing options to support your growth opportunities. You need financial solutions that are designed with an eye for your specific needs; delivered by an experienced Business Expert that has the time to understand the intricacies behind your business and industry. We have the capital, knowledge and ability to help

Immediate access to cash when you need it most.

  • Balance seasonal cash flow needs
  • Make purchases to grow your business
  • Take advantage of immediate opportunities
  • Eligible for overdraft protection

BusinessLock provides the convenience of locking1 portions of your balance into separate fixed rate term loans.

  • BusinessLock eliminates the need to apply for a loan each time you need to make a purchase.
  • You have the ability to use your line of credit as a working capital line of credit, and also use the same line for fixed rate term loans, or locks.
  • Locks can be requested anytime, (as long as your account is open and in good standing).
  • As your outstanding balance is paid down, those dollars become available for future borrowing.

1 Subject to credit approval. Maximum line of credit for BusinessLock is $100,000. Minimum amount required to lock is $5,000. Lock Terms range from 12–60 months. Maximum of three locks can be outstanding. Account must be open and in good standing to process a lock request.

Fund large purchases and expenses over the long term.

  • Buy or lease equipment
  • Purchase business vehicles
  • Consolidate existing debt

Get more from your real estate.

  • Take advantage of tax benefits associated with ownership
  • Purchase or refinance a building
  • Conduct renovations and upgrades

Bank of Oklahoma is a SBA Certified and Preferred Lender, which means easier applications and quicker approvals for your business. SBA Loans are made and administered by Bank of Oklahoma and the SBA guarantees a portion of each loan.  

Because we are SBA Certified, we participate in most of the loan programs available by the SBA including the SBA 7(a) Loan, SBA 504 Loan, SBA Express and others.

Features of SBA Loans include:

Eligibility - A wide array of owner operated and managed-for-profit businesses - from retail to wholesale, from manufacturing to service - are eligible for loans. Proprietorships, partnerships, and corporations are eligible for the SBA programs.

SBA Guarantee - The SBA guarantees a percent of loans made to businesses by banking or lending institutions.  While the SBA does not make the loans, they provide the SBA Guarantee that these loans will be repaid, thus eliminating some of the risk to the lenders. The percent of the loan that the SBA will guarantee depends on the type of loan program.

Rates and Terms - Interest rates can be adjusted monthly, quarterly or semiannually, and a ceiling can be placed on the rates for the life of the loan. Fixed rates are available under certain circumstances. Terms SBA Loans depend on the use of the proceeds, with maximum terms ranging from 7 years for working capital, to 25 years for buildings and real estate.

Start planning today for your business financing, refinancing or expansion needs with the support of the Small Business Administration!  Contact Bank of Oklahoma to learn more about the SBA Loan Programs available to businesses.

Useful links to related sites:

Small Business Administration:
The Export-Import Bank of the United States:


To learn more, contact a Business Expert today.

Tulsa Area:
(918) 710-3616

Oklahoma City Area:
(405) 200-1751

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© 2015 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.