Small Businesses are the Backbone of America

Small businesses are the backbone of the Mayes County and greater Tulsa economy, and choosing the right bank can make all the difference in turning an idea into a thriving enterprise. At All Capital Bank, we’ve seen firsthand how local community banks deliver not just capital, but relationship-driven support that helps small businesses grow and succeed. Unlike big national banks, community banks invest deeply in the markets they serve, focusing their attention on local entrepreneurs and maintaining a strong commitment to small business lending.

Community banks historically hold a disproportionately large share of small business loans relative to their assets, meaning they are more likely to lend to companies that need it most. For example, smaller banks dedicate more of their loan portfolios to small business and microloans than larger institutions, who tend to focus on bigger, more standardized lending products. This focus helps business owners secure essential working capital, equipment financing, and growth funding that might otherwise be harder to obtain from institutions that don’t truly understand local needs.

Equally important is the personal relationship small business owners build with their banking team. Local lenders are right here in Mayes County and Tulsa, able to meet face-to-face, understand your unique business model, and make lending decisions quickly and with context, something that can be more challenging at larger, remote banks.

When you choose a community bank like All Capital Bank, you’re not just getting a lender, you’re gaining a partner invested in your success and the economic vibrancy of our community. Whether you’re launching a startup or expanding an established operation, local banking delivers the expertise, flexibility, and personalized service your business deserves.