Capital for Oklahoma operators
from the Anadarko Basin to Green Country.

Oklahoma runs one of the most consequential energy and aerospace economies in the central United States. Devon Energy and the legacy Chesapeake Energy footprint are headquartered in Oklahoma City, anchoring a deep upstream-services supply chain that stretches through the Anadarko Basin, the SCOOP (South Central Oklahoma Oil Province), and the STACK (Sooner Trend Anadarko Canadian Kingfisher) plays. Tinker Air Force Base in Midwest City is the largest single-site employer in the state and the largest air-logistics depot in the Department of the Air Force — Boeing Oklahoma sits adjacent and runs MRO work on B-1, B-52, KC-135, and E-3 aircraft. Tulsa anchors a second energy and aerospace hub with American Airlines' massive maintenance base. Banks, by structure, cannot move at the pace these supply chains and energy cycles demand. Goliath was built to.

Our Oklahoma pipeline reaches every region of the state. The Oklahoma City metro brings us deal flow from the downtown and Bricktown restaurant economy, the deep upstream-services supply chain orbiting Devon and Chesapeake, the Tinker-adjacent contractor base in Midwest City, and the broader I-44 and I-40 corridors. Tulsa anchors the northeast and brings us aerospace MRO and supplier deal flow, Cherry Street and Brookside restaurant operators, healthcare practices, and a deep energy-services and pipeline-operations base. Norman and Stillwater anchor the university markets. Lawton anchors the southwest around Fort Sill. Western Oklahoma — Elk City, Woodward, Weatherford — drives our oilfield deal flow.

The bank-lending coverage gap in Oklahoma

Oklahoma has a strong community-bank tradition through institutions like BancFirst, Bank of Oklahoma, and Arvest, and yet the small-business credit gap is wider than people expect. Community-bank consolidation has thinned the field outside Oklahoma City and Tulsa, and surviving regional and national institutions structurally favor commercial real estate, oil and gas reserve lending, and high-net-worth lending over the $50K to $500K working-capital tickets that small businesses actually need. The result: an Elk City oilfield trucking outfit, a Broken Arrow contractor, a Norman restaurant group, a Lawton service business — strong, deposit-rich businesses — frequently cannot get a timely yes from a bank. We fill that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate the company. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach is well-matched to the Oklahoma mix because it accommodates the cyclical oilfield service operator, the steady-cash Tinker subcontractor, the seasonal Norman restaurant tied to OU football, and the project-based Tulsa contractor on the same underwriting bench. We routinely fund operators in their first year as long as deposit patterns support the offer.

The Oklahoma industry mix, the way we see it

Oil and gas services anchor the western and central portions of our book — drilling, completions, water haulers, frac sand and proppant logistics, downhole services, midstream pipeline construction, and the long tail of supply businesses across the Anadarko Basin, SCOOP, and STACK plays. Aerospace and defense anchored by Tinker AFB, Boeing Oklahoma, the broader Oklahoma City Air Logistics Complex, American Airlines' Tulsa maintenance base, and Fort Sill is the second pillar. Agriculture and cattle, particularly across the western Panhandle and southern Oklahoma, drives a meaningful slice. Logistics tied to the Port of Catoosa (the most inland river port in the country), the McAlester ammunition plant, the BNSF and UP networks, healthcare, construction, and restaurants round out the top.

Oklahoma is best understood as several regional economies stitched together by I-35, I-40, and I-44: the Oklahoma City metro and its central-Oklahoma energy and Tinker-aerospace base, the Tulsa metro and the northeast Green Country region, the Norman and Stillwater university markets, the Lawton and Fort Sill military economy, and the deep oilfield belt running west. Below is how the major metros break down in our book.

Oklahoma City

Oklahoma City is the largest single Oklahoma market in our book. Industry mix is anchored by Devon Energy's downtown headquarters, the legacy Chesapeake Energy footprint, Tinker Air Force Base and Boeing Oklahoma in Midwest City, the Oklahoma Health Center, and a deep upstream-energy-services supply chain. We fund restaurants across Bricktown, Midtown, the Plaza District, and Western Avenue; contractors riding the Edmond, Yukon, and Moore residential build cycle; healthcare practices around the OU Health and Integris campuses; and the long tail of Tinker subcontractors in Midwest City and Del City.

Tulsa

Tulsa anchors the northeast and is the second-largest Oklahoma market in our book. The economy mixes a deep energy-services and pipeline base (legacy Williams, ONEOK), the American Airlines maintenance base at Tulsa International (the largest commercial MRO operation in the world), Saint Francis and Hillcrest healthcare, and a deep contractor base. We fund restaurants and bars across Cherry Street, Brookside, the Pearl District, and downtown; contractors riding the Broken Arrow, Bixby, and Owasso build cycle; healthcare practices, aerospace subcontractors, and energy-services operators across the metro.

Norman

Norman is built around the University of Oklahoma and runs an economy tied to academic spending, OU football, a deep restaurant and retail base on Campus Corner and along Main Street, and a meaningful research and energy-services layer. We fund restaurants, contractors riding the steady residential build, healthcare practices, and the long tail of professional services orbiting OU. Deposit patterns reflect the academic and football calendar, and we structure positions accordingly.

Broken Arrow

Broken Arrow is the fastest-growing community in the Tulsa metro and runs a deep contractor, manufacturing, and small-business economy on the southeast side. We fund contractors riding the residential build cycle, manufacturing suppliers, restaurants and retail across the Rose District and the South Elm corridor, healthcare practices, and the long tail of professional services across the metro.

Edmond

Edmond anchors the northern Oklahoma City suburbs and runs a deep professional-services and healthcare economy tied to the metro's higher-income corridors. We fund restaurants across Spring Creek Plaza and downtown Edmond, healthcare practices, contractors riding the steady residential build north of OKC, and the long tail of professional services orbiting the metro's major employers.

Lawton and Fort Sill

Lawton anchors southwestern Oklahoma and is built around Fort Sill, the home of the US Army Field Artillery School. The economy mixes military and DoD-civilian employment, defense contractors, base-adjacent services, and the long tail of restaurants, healthcare, and retail serving the military and civilian workforce. We fund defense subcontractors, contractors, restaurants, and the broader small-metro service economy across Lawton and Comanche County.