Business Loans from Blue Sky Bank

Our promise of how Blue Sky Bank will work with you:

  • We will pick up the phone and answer your questions, no strings attached.
  • We’ll work quickly to understand your financial situation before ever suggesting ideas and solutions.
  • We’ll devise a range of solutions that make sense for you and make sure you clearly understand the advantages and disadvantages of each option.
  • We will be straightforward with you about whether we are able to compete with other solutions you’ve shopped.
  • Even if you’ve eliminated Blue Sky Bank from your set of possibilities, we’ll offer our expert opinion on your other options.
  • Contact Blue Sky Bank by phone or email and one of our experts will get back to you within the next business day, if not sooner.

As a business owner in Oklahoma, you might be trying to expand your business or smooth out seasonal cash flow. You might be looking for capital to buy equipment, purchase inventory, or invest in real estate. First and foremost, you need a lending option that makes sense for your annual revenue, the size of your business, and your company’s current stage of growth. But you also need a trusted business partner — someone who understands your business whom you can depend on for guidance as well as solutions. You can find both at Blue Sky Bank. 

Blue Sky Bank lenders work with many businesses, so they’ve helped customers in similar industries, in similar financial situations, and in all stages of growth. They’ll learn about your business and its unique needs in order to find the best lending solutions for your company’s stage of growth. They’ll stay up-to-date on the latest trends and forecasts in your industry to provide guidance as you take your business to the next level.

The Blue Sky Bank team is trained to work side-by-side with business owners. It’s part of our culture to not only help you select the loan that is right for your business, offering customized financing options and competitive interest rates, but also to help with any other questions you might have about where your company is headed financially. 

Business Acquisition Lending

Whether you’re purchasing an existing business, opening a new franchise, or buying shares from other shareholders in your company, the Blue Sky Bank team will work with you to find the best business acquisition loan for your company. 

We’ll provide not only strategic lending solutions, but also any consultation and guidance you might need to confidently grow your business portfolio.

Business Equipment Loans

Our team works to finance all types of equipment, regardless of your industry, so you can focus on getting the right tools for your company. These loan products can finance virtually any equipment your business might need, from appliances to machinery to electronics. 

Because the equipment will serve as collateral for the loan, most businesses can qualify for equipment loans — even business owners with lower personal credit scores. 

Business Auto Loans

You may need to buy a car for business travel, add a few trucks to your fleet, or even buy a limousine for your company. A business auto loan is a specific type of business equipment loan that allows you to invest in vehicles. This loan applies to new or old vehicles, including trucks and trailers. 

The business auto loan is self-collateralizing — the car you purchase with the business financing you receive from the loan will function as collateral. 

Business loans for vehicles have some of the best rates and loan terms in the lending marketplace, and Blue Sky Bank will help you find the one that makes the most sense for your company.

Business Lines of Credit

If you need more flexibility than what a standard business loan offers, opening a line of credit with Blue Sky Bank is a good option to consider. 

Similar to business credit cards, a business line of credit allows you to borrow up to a maximum loan amount and to pay interest only on the amount you borrow. You can repay or borrow funds as you need to, as long as payments are made on time and the amount you borrow falls within the credit limit. 

This is a more flexible alternative to a term loan, which requires a down payment and structured payment schedule. Additionally, business lines of credit are typically unsecured, meaning they don’t require you to put up real estate or other possessions as collateral.

Commercial Real Estate Loans

Your company is growing, and you need more space to accommodate. Whether you’re purchasing a building, expanding your current space, or building new construction, you might consider a commercial real estate loan.

Commercial real estate loans are self-collateralizing. The real estate itself (the property you are buying, building, or renovating) will be the collateral for your loan. That means the property will play a large role in determining your eligibility for the loan, as well as the rates you’re able to lock in. The team at Blue Sky Bank will work to understand your company’s vision and find the best loan to make it happen.

Agricultural Lending

Agriculture and farming is a vital part of this country and state’s economies. It can be difficult to keep up with all the different costs of running an efficient farm. Farmers and agriculture business owners can use agricultural loans to purchase more farmland, purchase equipment, or even invest in marketing to help sell their products and crops.

Our team knows agriculture better than any bank in America. Blue Sky Bank has been involved in agricultural lending since it was founded in 1905 — before Oklahoma became a state. Whether you need a stocker loan, farm implement, or a real estate term loan, we are your best option.  

Oil and Gas Lending

The oil and gas industry is a critical part of Oklahoma’s economy, but it’s also constantly changing and evolving. We understand finding flexible but reliable lending options are important to your energy business. 

Blue Sky Bank offers creative financing options designed to support your company throughout industry changes like fluctuating gas prices and government regulations. Our energy lending team has industry experience at all levels within our organization to ensure your assets are properly leveraged.

SBA Loans

Blue Sky Bank is a SBA-approved lending partner. This means our team works directly with the SBA to make it easier for small business owners to access working capital and get loans. 

There are three main Small Business Administration (SBA) loan programs that let small business owners borrow money for a variety of needs: buying real estate, buying equipment, securing working capital, or refinancing other debts. Many businesses, even small and budding businesses, can qualify for SBA loans.

SBA 7(a) loans are the most common type of SBA loans, which are loans backed by the U.S. Small Business Administration. These are designed to stimulate economic development by helping businesses that might otherwise have trouble finding bank loans. SBA 7(a) loans are typically used for capital, but can be used to purchase commercial real estate as well.

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