Trusted since 1903

Business services

We've financed Coweta-area businesses for more than 120 years. We work with sole proprietors, contractors, builders, developers, professional offices, and the trade businesses that keep Wagoner County running. The work we do is commercial — and the decisions about your loan happen here, by people who know the local market.

That difference matters. National banks make business credit decisions through automated systems that evaluate numbers without context. We make decisions with knowledge of the business owner, the industry, and the local economy. For most established Coweta businesses, that means a faster answer and a better-fit loan structure than a national lender can offer.

Commercial Lending

The majority of our lending portfolio is commercial — and we structure each loan to fit the business it supports. Whether you need to acquire equipment, expand a facility, refinance an existing commercial property, or fund a major project, we'll work directly with you to find the right structure and term.

Commercial Real Estate Loans

Acquire, refinance, or develop commercial real estate in Coweta, Broken Arrow, Wagoner County, or surrounding areas. We finance owner-occupied and investment properties for businesses with established operations and clear plans. Our experience with the local commercial real estate market — what properties are worth, who the active developers are, where growth is heading — means more contextual underwriting and faster decisions than out-of-area lenders.

Owner-Occupied Refinancing

If you own the property your business operates from and you're carrying a commercial mortgage at a higher rate or unfavorable term, we can review a refinance that fits your current operating reality. Owner-occupied refis are a core part of what we do — and the savings over the term of a properly structured refinance can be meaningful for a small business.

Equipment and Working Capital

Term loans for equipment acquisition. Lines of credit for seasonal cash flow management or working capital needs. Both products are essential for a growing business and are structured around your operating cycle, not a one-size-fits-all template.

Construction Loans for Builders and Developers

FNB Coweta works regularly with local home builders and commercial developers. We understand draw schedules, inspection processes, and the timing realities of construction in this market. We may sometimes require a take-out commitment — meaning we want to see the long-term financing plan before we fund the construction phase — but for builders and developers with a clear plan, we are an active and consistent source of construction capital.

We occasionally finance individual homebuilders constructing primary residences. If you're planning to build your own home, contact us to discuss whether a construction loan with FNB Coweta is the right fit for your project, including how the construction loan will transition to permanent financing at completion.

SBA Loans

FNB Coweta can help with SBA loans when they're the right fit for your situation. SBA programs are typically a good path for startups, businesses with limited collateral, or commercial projects that benefit from longer terms or lower equity contributions than conventional commercial financing requires. The SBA 7(a) program covers general business purposes; the SBA 504 program is designed for major fixed assets like commercial real estate and equipment.

Whether an SBA loan or conventional commercial financing is the better fit depends on your business, your timeline, and the specific project you're funding. Come talk to our commercial lending team — we can walk through both paths and help you decide which one makes sense before you apply.

Business Deposit Accounts

FNB Coweta offers a complete set of business deposit products. Our team will sit down with you, understand how your business operates, and help you set up the right combination of accounts.

Business Checking

Business checking with debit/ATM card access for everyday transactions. Now and Super Now Accounts are available for sole proprietorships and qualifying nonprofits, with higher transaction limits and interest accrual on qualifying balances. Contact our new account team for current account features and minimum balance requirements.

Business Savings

A passbook savings account ($250 minimum to open) lets you set aside operating reserves while earning interest. Up to three withdrawals per quarter at no charge.

Insured Money Market Account

For businesses with larger reserves, the Insured Money Market Account ($2,500 minimum to open) offers up to six withdrawals per month with interest accrual on qualifying balances. Contact FNB Coweta for current account terms.

Industries We Serve

FNB Coweta has financed local businesses across every sector in this market. Some examples of the businesses we work with regularly:

Trade contractors — HVAC, electrical, plumbing, roofing, and home services businesses serving the Coweta and Broken Arrow growth corridor
Home builders and developers — residential construction across Wagoner County and surrounding markets
Commercial builders — office, retail, and mixed-use construction
Professional offices — medical, dental, legal, accounting, and financial services practices
Agriculture and agricultural operations — Wagoner County's rural businesses
Local retail and service businesses — restaurants, shops, automotive, and small-format service operations
Manufacturing and industrial — equipment, fabrication, and industrial service operations

Why Local Matters

Coweta is growing. The Inola aluminum plant, casino expansion, and broader development across Wagoner County are creating demand for housing, services, and infrastructure that didn't exist five years ago. The trade businesses, builders, and local entrepreneurs supporting that growth need a banking partner who understands the market and can move at the speed business requires.

FNB Coweta has been part of this community since before Oklahoma statehood. We have seen this market through every economic cycle in modern American history — and we are still locally owned, still making credit decisions in this building, and still investing in the businesses that built and continue to build this community.