Business Lending

Payne County Bank's experienced team of lending officers can help you
maximize your business opportunities.

Current Payne County Bank Prime Rate is 5.50%

Commercial Loans: equipment purchases, expand facilities, fixed assets, manage cash flow, consolidate debt, increase working capital…

Commercial Loans

  • Purchase equipment
  • Expand facilities
  • Purchase fixed assets
  • Manage monthly cash flow
  • Consolidate debt
  • Increase working capital


Commercial Real Estate Loans: purchase new or existing office space, facilities or buildings…

Commercial Real Estate Loans

Competitive rates and closing costs on all types of real estate loans. We do not charge points to close our loans, and we never sell our loans to other lenders!

  • Purchase new or existing office space,
    facilities or buildings
  • Build new office or facility
  • Refinance existing commercial real estate loans
  • Conventional loans and SBA Guaranteed loans


Small Business Adminstration (SBA) Loans: provides working capital, equipment or real estate loans…

Small Business Administration (SBA) Loans

  • Provide working capital, equipment
    or real estate loans


Business Line of Credit: balance cash flow fluctuations, cover short-term expenses, aquire inventory or equipment, maintain trade cedit ratings, flexible payment options, competitive interest rates…

Business Line of Credit

  • Balance cash fluctuations
  • Cover short-term expenses
  • Acquire inventory or equipment
  • Maintain trade credit ratings
  • Flexible payment options
  • Competitive interest rates
Agricultural Loans: farm land, farm equipment, livestock, conventional and FSA guarenteed loans...

Agriculture Loans

  • Farm land
  • Farm equipment
  • Livestock
  • Conventional and FSA Guaranteed loans