Business Loans

We can provide your company with all types of business loans structured to meet your short-term and long-term funding needs.

Whether you need funds to expand your business, purchase a new facility, acquire a competitor or to free up your receivables as your business evolves, SpiritBank can be there to help.

Call (918) 712-9292



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Commercial Loans


Looking for a Term loan or line of credit?

SpiritBank has experience making loans for:

  • Working capital
  • Purchase machinery and equipment
  • Construction or improvement of real property

One of our commercial lenders will work directly with you from start to finish to tailor a loan product to fit your business needs.

Call (918) 712-9292

Contact a SpiritBanker
Find Your Closest Branch

SBA Loans


SpiritBank offers two SBA programs – SBA 7(a) and SBA 504. These programs help qualified small business customers obtain financing when they might not otherwise be eligible for regular business loans.

SBA loan proceeds can by used for:
  • Financing:
    • business start-ups
    • the purchase of new franchises
    • machinery
    • equipment
    • inventory
    • working capital
    • the purchase or building of owner-occupied commercial real estate
  • Refinancing to allow for:
    • growth
    • diversification
    • restructuring
  • Expansion:
    • additional equipment
    • larger facilities
    • expanded inventory
To understand how your business might benefit from a SBA loan:

Call (918) 712-9292

Contact a SpiritBanker
Find Your Closest Branch

Alternative Lending Solutions


If the traditional lending methods just don't work for your business, there's always an alternative. Our lending network offers "outside the box" financing from a large group of lenders.

Types of financing available include:
  • Standard Factoring - purchase accounts receivable in advance for a fee
  • Asset-based Lending - monitored line of credit where the borrowing base determines the advance amount
  • Bridge Financing - a short-term loan for temporary financing
  • Purchase Order Financing - short-term financing for purchase or manufacturing of pre-sold goods
  • Commercial Real Estate - financing for acquisition, expansion, recapitalization and refinancing of commercial property
Connect with an appropriate funding source.

Call (918) 712-9292

Contact a SpiritBanker
Find Your Closest Branch

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Small Business Checking

Are you a sole proprietor or small business with limited checking needs? The SpiritBank Small Business Checking Account is perfect for you. No minimum balance is required and the first 300 items are FREE. Learn More
Let SpiritBank’s Cash Advantage program turn your receivables into cash. Improve cash flow without incurring additional debt, so you can focus on your business. Learn More

Business Banking in Your PC

SpiritBank’s Cash Management. Inside your PC, you will find a full service branch ready to help you manage your business finances on-line anytime. Learn More