The First National Bank & Trust Co. is now Brooks Bank. New name, same people, same community banking you trust. Learn More

Business Loans and Small Business Loans That Deliver

From commercial real estate and SBA loans to working capital and agribusiness financing, Brooks Bank's lenders in Oklahoma City, Chickasha, Tuttle, and the surrounding areas have the experience and local authority to get your deal done.

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Business Loans Services

Commercial & Small
Business Loans

Brooks Bank has specialized in business loans for small business and commercial lending for over 130 years. Our experienced loan officers in the Oklahoma City area provide fast, convenient service with competitive rates and flexible terms on a wide range of commercial and small business loan types. Together, our lending team has hundreds of years of combined experience. Apply for a business loan online or schedule an appointment with a lender at 405-224-2200. All loans subject to credit approval and/or subject to additional terms and conditions.

Loan Types

Explore the business loan options available at Brooks Bank. Our business loans services cover every need. All loans subject to credit approval.

Commercial Real Estate & Construction Loans

Financing for developers, builders, and business owners looking to purchase, build, or refinance commercial property.

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Commercial Real Estate & Construction Loans

  • Competitive rates for commercial property purchases, new construction, and refinancing
  • Flexible terms structured to your project timeline and cash flow
  • Local lenders who understand the Oklahoma real estate market
  • Contact a lender to discuss your project
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Commercial Term Loans

Long-term financing for business expansion, machinery, equipment, and other capital investments.

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Commercial Term Loans

  • Variable rate options for significant capital expenditures
  • Flexible repayment terms customized to your business cash flow
  • Ideal for expansion, equipment upgrades, and long-term growth investments
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Working Capital Loans

Short-term financing to manage accounts receivable, purchase inventory, or cover seasonal cash flow needs.

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Working Capital Loans

  • Borrow against your cash flow to finance day-to-day operations
  • Flexible terms based on your business cycle
  • Ideal for seasonal businesses, inventory purchases, and bridging receivables gaps
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Agribusiness Loans

Financing for machinery, equipment, stocker cattle, operating expenses, and other agricultural needs in Oklahoma.

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Agribusiness Loans

  • Competitive rates for the agricultural sector
  • Finance equipment, livestock, operating costs, and land improvements
  • Our lenders understand Oklahoma agriculture and can structure loans to match your production cycle
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Special Purpose Loans

When your borrowing needs do not fit a standard category, our lenders can structure a loan tailored to your situation.

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Special Purpose Loans

  • Custom loan structures for unique business needs
  • Our lenders are familiar with the demands of today's economy and can build a solution that fits your individual requirements
  • Contact a lender to discuss your specific needs
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SBA Loans

Small Business Administration loans for startups, expansions, franchises, equipment, and owner-occupied real estate.

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SBA Loans

  • SBA loan proceeds can be used for business startups, purchasing franchises, machinery, equipment, inventory, working capital, or purchasing or building owner-occupied commercial real estate
  • Flexible maturities depending on how funds are used
  • Contact a lender to discuss eligibility and options
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Trusted Stories ‍in Motion

Blake Elliott

Standley Systems

They Changed the Trajectory of Our Company

"Brooks Bank helped finance a big opportunity that we had which really took us from servicing and operating in just a small portion of Oklahoma to being able to cover all 77 counties and do it at a scale where it worked really well for us. And that changed the whole trajectory of our company."

Heather Hill

Hill’s Land & Construction

It's All About Families and Community

"If you include my grandpa, it's probably over 50 years that we've banked at that same location. I've used them my entire life. It's not about just banking when it's Brooks Bank. It's truly about families and community."

Tim Osborn

Osborn Farms

A True Believer in Brooks Bank

"They will work with you if you fall on hard times. If you're honest, any way they can, they will help you get through that rough spot. So I am a true believer in Brooks Bank. Your money's safe there."

Faqs

Frequently Asked Questions

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What collateral is required for a small business loan?

Collateral requirements depend on the type of credit facility. Common collateral includes equipment, accounts receivable, inventory, and real estate. Some loan types may not require collateral depending on your creditworthiness. A Brooks Bank lender can walk you through the specifics.

Do you offer SBA loans for small businesses?

Yes. Brooks Bank offers SBA loans and small business loans tailored to the individual needs of your business. SBA loan proceeds can be used for startups, franchises, equipment, inventory, working capital, and owner-occupied commercial real estate. Contact a lender at any of our Oklahoma City area locations to discuss eligibility.

How long does the business loan approval process take at Brooks Bank?

We strive to have an answer for you within a couple of business days. The timeline can vary depending on the complexity of the loan and the completeness of your application. Schedule an appointment with a lender to get the process started.

What types of business loans are available in Oklahoma?

Brooks Bank offers commercial real estate and construction loans, commercial term loans, working capital loans, agribusiness loans, special purpose loans, and SBA loans. Our business loans services are available for small business and enterprise alike. You can apply for a business loan by contacting a lender at our Oklahoma City or any surrounding bank locations. All loans are subject to credit approval.

Can I get a working capital loan for my seasonal business?

Yes. Working capital loans are designed to help businesses manage cash flow during seasonal cycles, finance inventory purchases, and bridge receivables gaps. Our lenders can structure terms to match your business cycle.

What are the typical interest rates for an Oklahoma business loan?

Interest rates vary based on the loan type, term, collateral, and your business's financial profile. Contact a Brooks Bank lender at any location or call 405-224-2200 to discuss rates for your specific situation.

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Get in touch today!

Have questions or need assistance? Our team is here to help. Whether you’re looking for more information about our services, need support with your account, or want to explore how we can work together, feel free to reach out. Contact us anytime and we’ll get back to you as quickly as possible.

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