Panhandle First Bank

This is a commercial bank that offers SBA loan programs and small business financing options. You can find assistance with SBA 7(a) loans, business expansion funding, and other financial services tailored to small businesses in the region.

Ask Panhandle First Bank directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check Panhandle First Bank's website or call before you visit.

Browsing this directory is free. Any loan fees are set by Panhandle First Bank and the SBA program — ask the lender for its current schedule.

This bank primarily serves small business owners and entrepreneurs within the region, but eligibility for SBA loans is based on business criteria rather than residency alone.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask Panhandle First Bank what it looks for today.

Typically, the underwriting process takes approximately 30 to 45 days, depending on the completeness of your application and the complexity of the loan.

Most bank SBA teams work weekdays; confirm with Panhandle First Bank before planning a weekend visit.

Panhandle First Bank is located in Oklahoma — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Panhandle First Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Panhandle First Bank itself, which runs its own lending under its own ownership. If you work at Panhandle First Bank, you can claim this listing from this page to manage it.

The core details for Panhandle First Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Panhandle First Bank before applying. If you represent Panhandle First Bank, claim this listing to keep its information up to date.

You can reach Panhandle First Bank by phone at (580) 338-2593 or online at www.mypfb.bank — the same details are in the contact card on this page.

Like most SBA lenders, Panhandle First Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask Panhandle First Bank directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Panhandle First Bank participates in SBA Express depends on its specific SBA lending authority. Contact Panhandle First Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether Panhandle First Bank has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

Panhandle First Bank offers SBA loans that are available for start-up businesses, as well as purchasing and refinancing existing businesses. Contact the bank directly to discuss your specific startup situation.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Panhandle First Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Panhandle First Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Panhandle First Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Panhandle First Bank weighs this case by case under its own policy, so be upfront about your history and ask Panhandle First Bank how it evaluates prior bankruptcies.