Small business loans in Tulsa, OK
Short answer
The most active SBA lenders in Tulsa, OK since FY2024 are Security Bank (16 loans) and First Oklahoma Bank (14). The median loan was $290,200, and half fell between $140,400 and $797,750. For free help, see the Oklahoma Small Business Development Centers. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 182
- approved since FY2024
- $128.48M
- median loan
- $290,200
- through SBA Express
- 21.4%
Lenders making SBA loans in Tulsa
No lender made more than 9% of the loans in Tulsa, and Security Bank made the most. The five largest lenders together made 35%.
| Lender | Loans | Share |
|---|---|---|
| Security Bank | 16 | 8.8% |
| First Oklahoma Bank | 14 | 7.7% |
| Live Oak Banking Company | 13 | 7.1% |
| BancFirst | 10 | 5.5% |
| Readycap Lending, LLCNon-bank lender | 10 | 5.5% |
Share is the percent of all Tulsa loans in that period. Each name links to that lender's page for Oklahoma where one exists.
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Local help near Tulsa
Tulsa borrowers can start with SBA's district office for Oklahoma, an SBDC or SCORE.
40% of Tulsa borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA has one district office for Oklahoma. Its page points to state and federal resources and to lenders in the area. The Oklahoma Small Business Development Centers gives free counseling across Oklahoma.
- SBA Oklahoma District OfficeSBA district office
- Oklahoma Small Business Development CentersSmall Business Development Center
- SCORE mentors in OklahomaBusiness mentoring
Alongside SBA loans, Oklahoma runs a loan program. The Oklahoma page describes it, and the official page is linked here.
Loan counts and sizes in Tulsa
Tulsa ranks 2nd by loans since FY2024 among the 4 Oklahoma cities with 100 or more SBA loans since FY2020. Nationally it is the 93rd busiest of the 580 cities that reach 100 loans.
The 182 loans, 16.1% of the 1,130 in Oklahoma, were approved for $128.5 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $290,200, 93% above the national median of $150,300. Half of the loans fell between $140,400 and $797,750. The Tulsa median is 10% above the Oklahoma median of $263,750.
| Measure | Tulsa | Oklahoma | U.S. |
|---|---|---|---|
| Loans | 182 | 1,130 | 162,355 |
| Median loan | $290,200 | $263,750 | $150,300 |
| 25th percentile | $140,400 | $104,125 | $50,000 |
| 75th percentile | $797,750 | $700,975 | $500,000 |
| Via SBA Express | 21.4% | 23.3% | 35.8% |
| Lines of credit | 15.4% | 16.7% | 28.1% |
| Startups | 22.0% | 26.0% | 16.1% |
| Ownership changes | 13.2% | 12.9% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.0 | 2.0 | 2.75 |
| Charged off | 3.1% | 2.6% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
66% of the loans were $500,000 or less, the size SBA Express covers. 21.4% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 15.4% of loans, below the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 47.3% of loans went to businesses more than two years old and 17.6% to businesses two years old or younger. Startups received 22.0% and changes of ownership 13.2%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume fell 28% from FY2024 (79 loans) to FY2025 (57), the two latest full years. The busiest full year in the file was FY2023, with 79 loans. FY2026 already shows 46 loans through June 30.
Of the 193 loans Tulsa borrowers received in FY2020 to FY2022, 3.1% were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 2,583 jobs supported across the 182 loans since FY2024, about 14.2 per loan. SBA does not audit these estimates.
What businesses in Tulsa borrow for
Full-Service Restaurants was the largest borrower group in Tulsa, with 10 loans or 5.5% of the total.
The three largest industries made up 14% of all Tulsa loans.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 10 | 5.5% | 4.6% |
| Insurance Agencies and Brokerages | 9 | 4.9% | 1.1% |
| Limited-Service Restaurants | 7 | 3.8% | 3.3% |
Share is the percent of all Tulsa loans in that period. Industry is the NAICS code on each loan. A name links to the Oklahoma page for that industry where one exists.
A typical loan payment in Tulsa
The median Tulsa loan was $290,200 with a median term of 10 years.
The median variable-rate loan in Tulsa was priced at Prime plus 2.0 percentage points at approval. At today's Prime that spread works out to 9.00%. On $290,200 over 10 years, principal and interest would come to about $3,676 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $140,400 | $1,779 |
| Median loan | $290,200 | $3,676 |
| 75th percentile loan | $797,750 | $10,106 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $290,200 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 2.5 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Tulsa loans approved since FY2024 had a median starting rate of 9.5% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $300,000 loan and SBA Express payment calculator.
SBA 504 loans near Tulsa
Tulsa has 14 SBA 504 loans since FY2024, with $20.4 million in SBA and CDC dollars.
The median 504 loan in Tulsa was $843,000 in SBA and CDC dollars, 17% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Tulsa Economic Development Corporation is the Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on the most loans since FY2020, with 19. Small Business Capital Corporation follows with 15. The three CDCs listed are named on 48 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Tulsa Economic Development Corporation | 19 |
| Small Business Capital Corporation | 15 |
| Rural Enterprises of Oklahoma, Inc. | 14 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Oklahoma cities near Tulsa
Tulsa made up 16.1% of Oklahoma's SBA loans since FY2024.
Tulsa is one of 4 Oklahoma cities with 100 or more SBA loans since FY2020. The Oklahoma page covers all 1,130 loans in Oklahoma. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Tulsa
Which lenders make the most SBA loans in Tulsa?
Security Bank leads with 16 loans in Tulsa since FY2024. First Oklahoma Bank (14) and Live Oak Banking Company (13) follow. Only lenders with five or more Tulsa loans are counted.
Which industries get SBA loans in Tulsa?
Full-Service Restaurants leads with 10 loans in Tulsa since FY2024. Insurance Agencies and Brokerages (9) and Limited-Service Restaurants (7) follow.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Oklahoma District Office
- Oklahoma Small Business Development Centers
- SCORE, Oklahoma
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Tulsa, OK. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/oklahoma-small-business-loans/tulsa/
Ask lending partners about a loan in Tulsa
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.