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Business Lending


 Elan business feb 24

Business Credit Cards

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • Expense management tools.
  • Additional employee cards.
  • Pay with a tap. Use your card for contactless payments wherever you see the Contactless Symbol.*
  • Mobile payment capability for added convenience.

Cash Rewards For Your Business.

Visa® Business Cash Preferred Card

  • 3% Cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.1,2
  • $100 Annual software credit after 11 consecutive monthly software transactions.3
  • 1% Unlimited cash back on all other eligible purchases.
  • $25 Cash back awarded after first purchase.4
  • Redeem for a statement credit, rewards card or deposit to a qualifying account.

Learn MoreApply Now

Flexible Rewards To Use The Way You Want.

Visa® Business Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible purchases (equal to 1.5% cash back).5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards.
  • $25 Awarded after first purchase4 — that’s 2,500 bonus rewards points.
  • Redeem for Merchandise, Gift Cards, Travel or Cash Back.6

Learn MoreApply Now

Earn More Rewards.

Smart Business Rewards Visa® Card

  • 2X points per $1 spent in top two spend categories each month — automatically.2,7
  • 1X points monthly per $1 spent on other eligible purchases.
  • Redeem for Merchandise, Gift Cards, Travel or Cash Back.6
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening — a $200 value.8

Learn MoreApply Now

Pay Down Balances.

Visa® Business Card

  • Save on interest with a great low introductory rate for an extended time.
  • Use for large purchases, unexpected expenses or last-minute necessities.
  • Pay down your other high-rate credit card balances faster.
  • Easily manage employee spending with employee cards.
  • Non-Rewards.

Learn MoreApply Now

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.

1Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you checkout with PayPal.

2Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify.

3Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

4Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.

5Business Real Rewards Card: You will earn 1.5 Points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle.

6Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).

7Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories (“Highest Categories”) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories.

8If you’re approved for a new Smart Business Rewards Card, one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval.

*The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

©2021 Elan Financial Services

Small Business Lending

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

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.

Meet Our Lending ExpertAPPLY NOW



Small Business 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
  • 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.


Please contact Commercial Services, at CommercialServices@OklahomaCentral.org or 918-664-6000 x420.


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