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Business Lending

 

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:

  • Award-winning expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for added convenience

Let’s get started…
Earn Valuable Rewards.

Visa® Business Cash Card

Earn cash back* every time you use your card: 3% on office supply store net purchases and phone/internet services, 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases, plus get $25 cash back after your first purchase. Learn More

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Visa® Business Bonus Rewards Card

Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month, plus get $25 cash back* after your first purchase. Learn More

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Visa® Business Bonus Rewards PLUS Card

Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month, plus get $50 cash back* after your first purchase – all with a low annual fee. Learn More

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* Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

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.

 

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.

Questions?

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

 

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