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Looking for a small business loan to get the working capital you need? We can help.

Education Module
Small Business Administration Learning Center
A smart plan to grow your business deserves a strong financial partner. As an SBA-certified lender, Oklahoma Central offers reliable financing so your business has the support it needs to thrive.

When progress calls for you to make new long-term investments, our small business loans offer fast turnaround and secured backing so you can focus on what’s important—your business. 

Questions? Please contact Commercial Services, at or 918-664-6000 x238.

Loan types available:
  • Term loans – secured by business equipment
  • Fleet vehicle loans
  • Working capital loans – secured by business assets
  • Commercial real estate loans
  • Business credit cards
  • Veterans’ Advantage Loan – guarantee fee waived for loan amounts under $350,000
  • SBA loans – see below

We offer three popular SBA loan programs to help your business succeed.
  • SBA 7(a) loans – Includes veteran-owned business loans. Proceeds may be used for:
    • Construction
    • Working capital
    • Qualified debt repayment
    • Purchase of land/building, machinery
    • Equipment or inventory

  • SBA 504 loans – A long term/fixed-rate financing tool for major fixed assets such as land and equipment for a business location. Proceeds may be used for:
    • Purchase of land (including existing buildings)
    • Machinery
    • Equipment and improvements (including grading, street improvements, utilities, parking lot and landscaping)
    • Construction of new facilities or modernizing, renovating or converting existing facilities

  • SBA Express loans – this loan features an accelerated turnaround time for SBA review. $350,000 maximum loan amount and expedited processing and closing.

What does SBA look for in a loan application?
There are a few requirements that must be in order for your business to qualify for an SBA loan:
  • Applicant must be eligible (For profit business owned and controlled by a US citizen or legal permanent resident, no visas).
  • Repayment ability comes from the cash flow of the business.
  • Applicant must be of good character (Both credit and criminal history).
  • Collateral purchased from loan funds and personal guaranty generally secure the loan.
  • Owner’s personal equity contribution.