Commercial Loan Refinancing Stillwater OK

Looking for Commercial Loan Refinancing in Stillwater? We have compiled a list of businesses and services around Stillwater that should help you with your search. We hope this page helps you find Commercial Loan Refinancing in Stillwater.

Arvest Bank - Stillwater Branch
(800) 874-1827
5215 West 6th Avenue
Stillwater, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $16.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Bank of Oklahoma - Stillwater Food Pyramid Branch
(800) 234-6181
421 N. Main
Stillwater, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.00 fee each time you use a non-affiliated ATM. You can avoid this fee by using any Transfund Network ATM or ATMs at QuickTrip gas stations.
Surcharge fee: Surcharge-free ATM access is available at all Transfund Network ATM locations.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Bank of the West - Cushing
(800) 488-2265
421 East Main
Cushing, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Best Pawn & Trading Co
(405) 624-2274
229 S Perkins Rd
Stillwater, OK

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International Bank of Commerce - Clinton Branch
(956) 722-7611
1002 W Frisco
Clinton, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.25 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
International Bank of Commerce - Stillwater Oklahoma Branch
(956) 722-7611
1900 North Perkins Rd.
Stillwater, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.25 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Arvest Bank - North Main Branch
(800) 874-1827
524 North Main
Stillwater, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $16.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Bank
(405) 624-2265
101 S Knoblock St
Stillwater, OK

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International Bank of Commerce - Grove Branch
(956) 722-7611
100 East Third Street
Grove, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.25 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Arvest Bank - Kickapoo Branch
(800) 874-1827
1700 North Kickapoo Street
Shawnee, OK
ATM Fees
monthly fee: Monthly service fees range from $0 to $16.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Commercial Loan Refinancing

Commercial loans once acquired are often never reexamined to insure that the best financing value has been negotiated. It is an understatement to say that the business world is dynamic and economic conditions are always evolving. Changes often occur that might indicate the need for the reevaluation of a company or individual position with respect to commercial loans . There are several important reasons that might cause one to consider refinancing of a commercial loan . A few of these reasons are enumerated below;

1. Taking advantage of equity gains that may be realized which could enable the borrower to free up capital for other expenses or ventures. This option is often referred to as "cashing out" and offers an opportunity to invest the equity that has accrued in a manner that offers a higher return.

2. Interest rates may have declined or another commercial lender is offering a lower rate and it is prudent to take advantage of reduced payments. Reduced loan payments obviously affect cash flow and enhance one's financial position.

3. Another acquisition may provide an opportunity to combine loans and recognize increased cash flow or take advantage of more favorable terms and conditions. Combining notes may offer the opportunity to take advantage of the equity that has built up in one note to obtain more favorable financing for another. It also offers an opportunity to strengthen a financial statement by closing out a note under favorable conditions.

4. Taking advantage of an opportunity to lengthen the period of the loan and realize an increased cash flow as well as to take advantage of tax concessions.

5. It may be appropriate to pay down some of the note and renegotiate terms and conditions to strengthen one's financial statement.

These potential reasons have been highlighted for illustrative purposes, but there are other reasons that may cause one to seek commercial loan refinancing . Each individual or company circumstance will dictate differing responses. As with any decision, an evaluation of the advantages and disadvantageous is necessary to insure that the effort is worth the reward. One needs to assess the total impact of the decision with regard to tax implications, the advantages of cashing out equity, the effect on one's present financial statement, the opportunities for additional investment and the actual savings that may be available.

It is important to note that a detailed analysis may ...

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