SBA 504 Loans in Tulsa, OK
Find lenders offering sba 504 loans in the Tulsa, including Broken Arrow, Owasso, Bixby, and surrounding areas. Compare rates, terms, and programs from 10 lenders.
SBA 504 Lenders Serving Tulsa
10 lenders offering sba 504 loans in the Tulsa, OK area.
Rural Enterprises of Oklahoma, Inc.
Local SBADurant, OK
Tulsa Economic Development Corporation
Local SBATulsa, OK
Metro Area Development Corporation
Local SBAOklahoma City, OK
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
Wells Fargo
San Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
CDC Small Business Finance Corp.
SBASan Diego, CA
Tulsa Commercial Real Estate Market
Tulsa's CRE market has been revitalized by a combination of public investment and the Tulsa Remote program, which attracted thousands of remote workers with $10,000 relocation incentives and generated new demand for multifamily and retail space. The Gathering Place, a $465 million riverfront park funded by the George Kaiser Family Foundation, has catalyzed development in the surrounding Riverside and Brookside neighborhoods. The Blue Dome and East Village entertainment districts anchor downtown's hospitality and office market, while the Tulsa Port of Catoosa — one of the nation's largest inland ports — drives industrial demand along the Arkansas River corridor. Office vacancy has been elevated in legacy Class B properties, but adaptive reuse conversions to residential and mixed-use have absorbed much of that inventory.
Key Economic Drivers
- ●Tulsa Remote program drawing remote workers and boosting multifamily and retail demand in midtown neighborhoods
- ●George Kaiser Family Foundation investments including the Gathering Place and downtown redevelopment
- ●Tulsa Port of Catoosa inland waterway port supporting industrial and logistics facilities
- ●American Airlines maintenance base and aerospace employers along the north Tulsa corridor
Market Insight
Tulsa's Opportunity Zone designations cover a large portion of the north Tulsa and downtown corridors, and the city has paired these with local incentive programs that have attracted over $1 billion in new development commitments since 2019.
SBA 504 Loans in Tulsa, Oklahoma
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Tulsa metro area, borrowers can access 10 lenders offering SBA 504 financing, including Broken Arrow, Owasso, Bixby, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who Should Consider SBA 504 Loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
Key Requirements
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
SBA 504 Loans in Other Oklahoma Cities
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