Commercial & Business Loans 

Quick, convenient access to credit and loans is the lifeblood of any business. Whether you are looking to expand your business, improve cash flow or purchase equipment, our FNB commercial lending experts can explain the full range of loans and credit line products to meet your business banking needs.


Line of Credit

Provides short-term financing for inventory purchases, expansion costs, accounts receivable, financing, and seasonal operating expenses that impact your company’s cash position. A First National Bank Commercial Lending Banker can work with you to structure a loan that best meets your company’s short-term needs.

Term Loans

Need to purchase equipment, finance commercial vehicles, make business operations improvements, acquire financing for an acquisition but want to conserve your company’s liquid assets? Contact a First National Bank Commercial Lending Banker for details on fixed asset term loans and financing options.

Agriculture Loans

Whether purchasing animals, seed or equipment, First National Bank is committed to helping farmers and ranchers succeed in their operations. We have had a long-standing presence in this industry and know the needs of those who work the land. For more information, contact one of our Commercial Lending Bankers.

Commercial Real Estate

Looking to purchase an income-producing property, expand your current facilities or refinance an existing property? We can help. For financing options, visit with one of our Commercial Lending Bankers today.

Construction Loans

First National Bank & Trust Co. supports business investments by providing construction loans with various rates and terms. Financing for construction projects is available for several types of commercial projects including office, retail, industrial/warehouse and multi-family projects.

Standby Letters of Credit

Standby Letters of Credit are used to guarantee repayment of loans, to ensure fulfillment of a contract, and to secure payment for goods delivered by third parties. Contact a Palmetto Heritage Business Banker for details.

SBA Lending

Whether you are expanding your business, building a new office or need a loan for a work vehicle, we are here to help! 

Have Questions? 

Call us today and let one of our experienced lenders guide you through the loan process.

  • Shawnee MacArthur: 405-275-8830
  • Holdenville: 405-379-3902
  • Lawton: 580-536-8800
  • Mangum: 580-782-3365

Contact Us

COVID-19 SBA Assistance/ Paycheck Protection Plans

for more information please contact us at (405) 275-8830.






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