First National Bank of Oklahoma

First National Bank of Oklahoma is a community bank headquartered in Tulsa with over 100 years of operating history, serving businesses across Oklahoma. As both an SBA Express Lender and a USDA Business & Industry lender, it offers government-backed financing alongside conventional business products — a combination that can open longer repayment terms and more flexible structures for qualifying borrowers. Its product lineup covers term loans, lines of credit, equipment finance, commercial real estate, and construction finance, with additional depth in agricultural and farm-and-ranch lending. That agricultural focus makes it a particularly strong fit for Oklahoma operators in those sectors. Minimum credit, revenue, and time-in-business requirements aren't published publicly, so you'll need to reach out directly to gauge eligibility.