This article is written specifically for small business proprietors in Tulsa, Oklahoma who are interested in getting a small business loan.
As a prerequisite to meeting with banks to discuss getting a bank loan, you will need to determine exactly what size loan you will be asking for.
You need to be able to clearly explain your business, explain how much you want to borrow, walk the banker through the planned use of proceeds, and show your ability to pay the loan back to the bank.
Having a business plan is is critically important. If the bank loan is to for a going concern, you should also have financial statements covering the last three years. In addition, you should itemize what collateral you have available to guarantee the loan. Collateral is relevant because banks always
want to be prepared for a worst-case scenario in which cash flow from the business does not meet your projections.
If the business has few assets, you will likely be asked to secure the business with your personal assets, such as stocks and bonds that you might own or life insurance policies. The banks will check on your personal credit history in any case, so hopefully you have good credit history
-- you may want to get a copy of your credit history prior to
meeting with the banker.
Many of the banks in our list participate in the financial assistance programs available through the SBA. Before meeting with the banker, you may want to get up to speed on SBA loans programs to see if you qualify. SBA 7(a) loans, SBA 504 loans and SBA disaster assistance loans may be available to you.
To assist you in finding a small business banker, here's our list of small business banks in Tulsa.
| Small Business Bank |
Recent SBA Loans |
| 1st Fidelity Bank - Main Switchboard |
|
| American Bank & Trust CO |
|
| American Bank and Trust CO |
|
| American Heritage Bank |
|
| American State Bank |
|
| ARVEST BANK |
157 |
| ATM One Inc |
|
| Bair- Thurman E |
|
| Banc Of America Investment Services- Inc |
|
| Bancfirst |
|
| BANK - OKLAHOMA NATL ASSOC |
172 |
| Bank Of America |
|
| Bank of Commerce |
|
| Bank of Oklahoma NA |
|
| Bank One |
|
| Bank South |
|
| Bank Stillwater National |
|
| Cathy Warren Ins Agency Inc |
|
| CITIZENS BANK OF OKLAHOMA |
4 |
| City National Bank |
|
| COMMERCE BANK NATL ASSOC |
3 |
| Commercial Federal Bank - Branch |
|
| COMMUNITY BANK & TRUST COMPANY |
42 |
| Davis- James D |
|
| Diebold Inc |
|
| F & M Bank & Trust Company |
|
| First Bank & Trust Wagoner |
|
| First Choice Mortgage Corporation |
|
| First Fidelity Bank |
|
| Freedom Bank of Oklahoma - Customer Service |
|
| Freedom Bank of Oklahoma - Main Bank |
|
| Gatewood- John R |
|
| Gibson- Jonathan E |
|
| Gold Bank |
|
| GRAND BANK |
1 |
| Grand Lake Bank |
|
| Hazlett George |
|
| IBC Bank - Branches- Downtown |
|
| IBC Bank - Branches- Hudson |
|
| IBC Bank - Branches- Lewis |
|
| IBC Bank - Branches- Memorial |
|
| IBC Bank - Branches- Yale |
|
| International Bank of Commerce - Branches- Harvard |
|
| Invest Financial Corporation |
|
| James Gates Ins Agcy Inc |
|
| Janine Morales Ins Agcy Inc |
|
| Khue Huffman Ins Agency Inc |
|
| Mark D Welty Ins Agency Inc |
|
| Martinez Jr- Ed |
|
| MIDFIRST BANK |
8 |
| NBANC |
30 |
| NBC Bank |
|
| Oklahoma National Bank |
|
| ONB BANK AND TRUST COMPANY |
210 |
| Parsons- Ronald D |
|
| Peoples State Bank |
|
| Phillip- James R |
|
| Pool- Jeffrey S |
|
| Ramsey- John W |
|
| RED CROWN FCU |
3 |
| Rental Car Finance Corporation |
|
| Richard's ATM |
|
| SECURITY BANK |
3 |
| SNB BK - TULSA A DIVISION - |
1 |
| Sovereign Bank |
|
| Spirit Bank |
|
| SPIRITBANK |
46 |
| Stillwater National Bank & Trust Company |
|
| Sullivent- Thomas J |
|
| SUMMIT BANK |
5 |
| The F & M Bank & Trust Company - Harvard-General Information |
|
| The F & M Bank & Trust Company - Memorial Branch |
|
| The F & M Bank & Trust Company - Sheridan Branch |
|
| The F & M Bank & Trust Company - Utica Branch |
|
| The F & M Bank & Trust Company - Utica Motor Branch |
|
| The F & M Bank & Trust Company - Yale Branch |
|
| THE F&M BANK & TRUST COMPANY |
1 |
| TIB Independent Bankers Bank |
|
| Transfund |
|
| Triad Bank NA |
|
| TULSA NATIONAL BANK |
18 |
| UMB Bank |
|
| Union Bank |
|
| United Mortgage Group |
|
| VALLEY NATIONAL BANK |
2 |
| Wells Fargo Home Mortgage |
|
| Wells- William G |
|
| Westgate- Karen S |
|
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