Since 1903, our mission has been to build relationships with the businesses, customers, and communities we serve. Our Government Guaranteed Lending team averages over 25 years of experience, giving us the ability to craft custom, cost-effective loans for your small business.

Compare Loan Options

SBA 7(a)

The 7(a) Loan Program is the Small Business Administration’s primary program to help start-ups and existing small businesses obtain financing when they might not be eligible for traditional business loans.

BENEFITS

  • Up to 90% financing
  • Loans up to $5 million
  • Fees can be financed into loan
  • Minimum of 45 days from receipt of information, to close the loan, for non-real estate applications

SBA 504

The SBA 504 Loan program is a powerful economic development loan program that offers additional financing options for small businesses.

BENEFITS

  • Up to 90% financing
  • Loans up to $5 million to $5.5 million
  • Long-term fixed rate
  • Longer loan amortization; no balloon payments
  • Savings that result in improved cash flow
  • Fees can be financed into loan

All loans subject to credit and underwriting approval. Collateral and documentation requirements are subject to SBA guidelines.

Our small business customers across the country explain why they chose Bank OZK as their partner.

Recycling Program

"Our recycling business began about 10 years ago. Initially, we purchased upgrades, new property, and new equipment with a variety of local lenders and determined it might be a good idea to consolidate our debt. Bank OZK had no problem helping us assess our needs and provide guidance for the future. This SBA 7(a) loan has given us the ability to think of next steps and replace and repair equipment, as well as expand our footprint. I think this is the start of a long-term relationship."

—Recycling Plant Owner, Georgia

Restaurant Kitchen

"The SBA 504 loan gives us the ability to open more restaurants a lot quicker than a conventional loan. At Bank OZK, the bankers do a great job of helping with the paperwork. A loan like this is a 20-plus-year relationship, and, since the first meeting, our specialist has been very responsive and customer service-oriented. Everyone at Bank OZK has been helpful. It must be part of their culture."

—Restaurant Chain Owner, Alabama & Arkansas

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