Loans
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Experience That Works for Your Business.

We know that when businesses thrive, communities flourish. That’s why we specialize in SBA 7a loans with competitive rates, flexible terms, and quicker turnaround times. Whether you’re launching a start-up, expanding operations, or transitioning leadership, we can help structure a loan around your priorities.

Our experienced lenders take the time to sit down with you, understand your business, and navigate market fluctuations together—making the financing process simple while finding the best solutions to support your needs.

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Loans Built for Your Business Needs.

No matter your industry or business stage, we offer financing solutions to help you grow and succeed. Explore our loan options below.

  • SBA loans – Small business loans with favorable terms and fewer out-of-pocket requirements
  • Commercial Real Estate Loans – Purchase, refinance, or renovate property
  • Equipment Loans – Secure funding for point-of-sale (POS) terminals and other essential equipment
  • Operating Lines of Credit – Flexible funds to manage cash flow
  • Refinancing Options – Optimize existing debt with better terms

Flexible Funding and Streamlined Approval from a #1 SBA Lender*


As an SBA Preferred Lender, OakStar Bank can process SBA 7a loans in-house, eliminating delays and simplifying the approval process. These government-backed loans offer borrower friendly terms that can allow you to borrow beyond collateral value and access flexible repayment options. Ideal for ownership transitions, expansions, or refinancing needs, SBA 7a loans can be the key to unlocking new opportunities for your business.

*According to the National Association of Government Guaranteed Lenders.

Merchant Solutions to Simplify Your Daily Financial Tasks


OakStar Bank’s in-house Merchant Services Program* consolidates your payment processing needs, offering secure and convenient solutions to help your business thrive. Key features include:


  • Comprehensive Payment Acceptance: Process credit, debit, and gift cards from major brands, including Visa, Mastercard, Discover, American Express, and Fleet.
  • Versatile Processing Options: We provide mobile, point-of-sale, and virtual terminals tailored to your business requirements.
  • Expert Support: Our dedicated team provides direct POS system integrations and consulting, helping you ensure seamless operations.

  • *Fees apply.


Tools That Help You Plan with Confidence

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Loan Calculator

Estimate monthly payments, compare term lengths, and determine the best financing strategy for your needs.

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