Small businesses are the heart and the engine of a local economy. They create jobs, provide essential products and services, and contribute to local tax revenue. As a community bank, Vision Bank is committed to investing in the communities we serve. We understand that thriving businesses create desirable places to live. That's why providing working capital financing to local businesses is so important to us. You can stay local to find products and solutions that meet all of your business financing needs.

For more than a century, Vision Bank has been dedicated to serving local businesses and people in Southeastern Oklahoma. With eight bank offices in seven communities, we are large enough to be flexible and competitive without losing our focus on local matters. And our local ownership means swift decision-making so you don't have to put your business on hold.

All businesses, especially new ones, experience cyclical or seasonal fluctuations in revenue and expenses. For example, an ice cream parlor may do most of its business in the summer. Depending on climate, businesses may spend more on air conditioning in the warmer months or heating costs in winter. Alongside those less stable numbers are fixed expenses such as rent, payroll, and supplies. Working capital loans are a type of short-term funding for businesses that help smooth out bumps in cash flow and cover everyday expenses so you can focus on your company's core competencies.

You have a variety of working capital financing options to choose from including:

• Secured or unsecured term loans: Borrow a specific amount of money for a fixed period of time and make regular monthly payments.
• Business line of credit: Write checks or draw cash from your line of credit in order to cover payroll or other regular expenses. You get the peace of mind of knowing it's there when you need it, but only pay interest on what you borrow.
  

Contact our business lending team today to learn more about working capital loans and start the application process today. You can also visit your local Vision Bank office in Ada, Durant, Shawnee, Prague, Meeker, Sulphur, or Davis. Our friendly and professional team is ready to help you maintain and grow your business.