Regent Bank
At a Glance
A Preferred Lender that publishes the numbers a buyer asks for first, its 7(a) size and its rates, and names the buyout on its page; read its two down-payment tables before relying on either.
- Pricing
- Custom Pricing, Loan products; terms by term sheet. Its SBA page publishes a 7(a) loan size of $50,000 to $5 million, terms by purpose, a down payment as low as ten percent for an acquisition on one table and fifteen on another, and its 504 page prints fixed rates by term; no fee (per regent.bank, September 2026).
- Best For
- A buyer of a business in Oklahoma, Missouri or north Texas who wants a Preferred Lender that publishes its 7(a) size and its 504 rates
- Track Record
- A Tulsa bank granted Preferred Lender status in 2019 by its own release, with offices in Oklahoma, Texas and Missouri and a merger announced in 2025 that keeps it a separate bank, by its own release.
- Type
- Bank (lends directly)
- Footprint
- Oklahoma, Texas and Missouri by its locations page, from a Tulsa headquarters, with no lending area published as such. It lends beyond the states it names, so one it does not name is worth asking about rather than ruling out.
- Approval Authority
- Says it holds SBA Preferred Lender status, so it can approve the loan itself rather than sending the file to the agency for a second look.
- Deal Size
- $500k and up, past the single-loan 7(a) cap.
- Lends conventionally on this product, so no 7(a) cap applies.
- States a floor: the smallest loan it publishes is $50k.
- Its SBA page prints a 7(a) loan size of $50,000 to $5,000,000, the floor its own and the ceiling the program's.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- Its SBA page offers a downloaded application packet and a contact form, and its 504 page a short interest form followed by a meeting with a local SBA specialist; no online application.
- No page names a search fund or a searcher; its SBA page lists business expansion or acquisition second and a partner or management buyout third among what its programs assist with, and business acquisition second among 7(a) uses.
- Published Terms
- 7(a) from $50,000 to the program's $5 million, ten years for an acquisition, down payments as low as ten percent on one table and fifteen on another; 504 fixed rates printed by term and dated November 2025; no fee.
- Roadmap Stages
- 5. Diligence & Close the Deal
Pros and Cons
Pros
- Lists business expansion or acquisition second and a partner or management buyout third among what its SBA programs assist with
- Publishes its own 7(a) loan size, $50,000 to $5 million, and a ten-year term for a business acquisition
- Its SBA 504 loan page prints fixed rates by term, dated November 2025, which almost no lender here does
- Approves SBA requests in house within a few days, in its own words
Cons
- Its one SBA page carries two down-payment tables that disagree on an acquisition, and its two 504 pages give different eligibility thresholds
- Its process starts with a downloaded application packet and a form, and no banker on its team page carries an SBA title
- Names no search fund, searcher or acquisition entrepreneur
What Searchers Say
Read on its SBA page, its 504 page, its Preferred Lender release, its commercial lending pages, its lending team, locations, contact and history pages, and its merger release. No searcher-forum discussion of the desk was found.
How to Approach
Regent Bank is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder