Business Loans & Lending Services

How to get a business loan from a bank

Your Partner for What's Next

The most important features of our lending practices are a product of our focus on commercial banking and our ability to customize. We know your competitive edge relies on our speed of service and a personalized approach to your needs as much as it does on competitive rates and fees.

Commercial Real Estate

Kirkpatrick Bank specializes in real estate lending and can meet all your commercial real estate needs, including:


  • Construction
  • Mini-Perm
  • Owner Occupied
  • Income Producing Property
  • Multi-Family
  • Floating or Fixed Rate Options

Equipment Financing

Kirkpatrick Bank provides flexible and competitive rates and terms on virtually any capital equipment acquisition, including:


  • Equipment and vehicles

  • Flexible Repayment Terms available up to 7 years

  • Fixed or Floating Rate Options

Lines of Credit

A Kirkpatrick Bank line of credit can provide you with available resources to manage the daily financial needs of your business.

  • Finance Accounts Receivable and Inventory

  • Access funds at your convenience when you need them

  • Interest-only and secured by business assets

Energy Lending

Kirkpatrick Bank has in-depth knowledge and expertise within the oil and natural gas industry which enables us to provide your company with personalized financing solutions. Additionally, The Kirkpatrick Family’s history as an independent oil and gas producer provides the Bank with a first-hand understanding of the industry’s dynamics.


  • Reserve Based Lending – Term Financing or Lines of Credit

  • Acquisition and Equipment Financing

SBA Loans

As part of our commitment to the growth of small businesses, Kirkpatrick Bank is a leading participant in the lending programs of the U.S. Small Business Administration.


  • SBA loans are backed by government-sponsored loan guarantees and are available to for-profit businesses in virtually every industry.

  • SBA loans provide financing for almost any business purpose, including real estate purchase, business acquisition or startup, equipment, and inventory.

Business Advisory Services

Other business services including alternative financing options, succession planning, and advisory services are also available.


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