Oklahoma Business Relief Program | Oklahoma Department of Commerce
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Oklahoma Business Relief Program

Developed to help local businesses across the state overcome the economic challenges of COVID-19, the Oklahoma Business Relief Program (OBRP) offers vital funding for qualifying businesses that have suffered revenue loss due to the pandemic. Governor Kevin Stitt has designated $50 million in Federal CARES Act funds for the program.

Starting June 29, Oklahoma businesses can request to apply for OBRP through participating financial institutions. The financial institutions will evaluate applications based on the program rules and make a preliminary determination of business eligibility.

Applications and supporting documents will be submitted by the financial institution to the Oklahoma Department of Commerce for a final determination of eligibility. Applications will be accepted on a first-come, first-served basis, and funds will be provided to the business through the financial institution; however, at least twenty-percent of the program funds will be designated for minority owned businesses.

Please see Program Rules for full details.


Thanks to those who contributed to the overwhelming success of Phase 1 of OBRP.

This success included signing up over 150 participating financial institutions and receiving applications from more than 2,400 Oklahoma businesses. Of those 2,400 Oklahoma businesses, 24% of them are minority owned.

PHASE 2: Additional Funds Available Soon – OBRP application will re-open.
The OBRP program will be funded with an additional $50 million for a Phase 2. Commerce will open these funds up for applications at a later date. Sign up for the New Pioneer newsletter to stay informed.

Program Timeline

June 19, 2020
June 29 – July 10, 2020
July 10, 2020
July 17, 2020
Financial Institution Application Period
Financial institutions can begin applying to be a vendor with the State in order to facilitate the economic grants
Business Application Period
Small businesses can apply for the economic grants through participating financial institutions
Application Deadlines
Deadline for financial institutions to register for participation

Deadline for businesses to apply for funds through their financial institution
Fund Distribution
Distribution of economic grants will begin

Further dates will be announced after the first round of applications for economic grants are received.

Application Process

Businesses should contact a participating financial institution to apply for the program. See the list at the bottom of this page.

The financial institution will help the applicant collect the correct financial information, make a preliminary determination of eligibility, and complete the application, which will then be transmitted to the Oklahoma Department of Commerce along with supporting documents by the financial institution.

Commerce will make final determination of eligibility and transmit the funds to the financial institution.

The grant funds will be given to the business by the participating financial institution to be used for business-related expenses.

For more information, please review the program rules. If additional guidance is needed, email obrp@okcommerce.gov.

Business and Financial Documents

Prepare for an application through your financial institution by gathering these documents in advance.  

  • Oklahoma driver’s license, Oklahoma state identification card, or passport. 
  • Any relevant and accurate documents typically maintained in the ordinary course of business to show revenue received from business activities from January to May of 2020.
  • Any relevant and accurate document typically maintained in the ordinary course of business to show revenue received from business activities from January through May of 2019 if the business was operating prior to the year 2020.
  • Payroll documentation indicating the business’s average 2019 monthly payroll, if the business was operating in 2019.
  • Payroll documentation indicating the average of the business’s January and February 2020 monthly payroll
  • Documents proving current business ownership, formation prior to 1/1/2020 and continuous business activity from 1/1/2020 through the date of the grant application.
  • Proof of payment of the business’s most recent quarterly or yearly taxes with the Oklahoma Tax Commission, depending on what the business is required to file. 
  • Passport, Birth Certificate or Tribal Identification Card required if applying as a Minority Owned Business 

Please see program rules for detailed information. 

Pre-Application Documents

Your financial institution will ask you to fill out the following forms to apply for OBRP. You may download and pre-fill these documents prior to meeting with your financial institution. Your financial institution will complete the application process on your behalf.

NOTICE: Do not submit your business documents or pre-application form directly to Commerce. Applications and documents submitted directly by the business to ODOC will not be considered for participation in the program.

Grant Details


  • Maximum of $25,000 per grant 
  • Grant amount equal to two months of average total payroll based on either: 
  • Average of 2019 total payroll; or, 
  • Average of January-February 2020 total payroll 
  • This is a grant program and not a business loan. 


In general, grant funds may be used for business expenses for which the business has not or will not receive reimbursement from another source such as other federal, state or city grants or insurance proceeds. 

Please see program rules for details as to eligible and ineligible expenses.

Program Eligibility

Eligible Companies

Businesses must meet ALL of the following conditions:

  • Located in Oklahoma
  • All business types that are required to register with Secretary of State must be in good standing
  • Current on their most recent quarterly or yearly taxes with the Oklahoma Tax Commission, depending on when the business is required to file
  • Must have suffered a revenue loss of 25% or more from March through May 2020 that is substantially caused by the impact of COVID-19 compared to any one of the following time periods:
    • January 2019 through December of 2019
    • March 2019 through May of 2019
    • January 2020 through February of 2020
  • Operated continuously in Oklahoma from at least 1/1/2020 through the date of the receipt of application, and is a going concern for the future
  • Eligible business types include but are not limited to sole proprietorships, independent contractors, partnerships, corporations and nonprofit entities such as 501(C)(3) and 501(C)(6)
  • Business is not an ineligible business

Ineligible Industries & Companies

  • Publicly traded companies
  • Government entities or agencies
  • Banks, credit unions, life insurance companies, finance companies, factoring companies, investment companies, mortgage companies, bail bond companies, & other businesses whose stock in trade is money and mortgage companies
  • Private clubs
  • Lobbying firms
  • Businesses that generate any part of its income from gambling activities, adult activities or activities performed in violation of state or federal law.
  • Businesses participating in or expecting to receive funds from the Oklahoma Manufacturing Reboot Program or Oklahoma Bounce Back Program
  • Businesses that do not meet the definition of “eligible businesses”
  • Businesses that dedicate 50% or more of their time or resources to lobbying activities
  • Businesses that exist for the purpose of advancing partisan political activities

Program Frequently Asked Questions

FAQ updated: June 30, 7:54 AM

The following is a list of frequently asked questions (FAQ’s) that have been received by the Oklahoma Department of Commerce concerning the Oklahoma Business Relief Program, as well as the answers to those questions.

Answer: The decision as to whether or not the financial institution will allow electronic signatures is up to the financial institution as long as the financial institution is comfortable with having determined the identity of the person signing on behalf of the business. In the event that the financial institution accepts digital signatures, the financial institution should note that the signature was accepted electronically in the section where the financial institution signs as a witness.

Answer: All business types that are required to register with the Secretary of State must be in good standing. As a sole proprietorship or general partnership is not required to register with the Secretary of State, neither of those types of entities must meet the good standing requirement.

Answer: Participating financial institutions are not required to retain the documentation. Companies applying for relief funds are required to retain documentation for five (5) years as set forth more fully in the rules.

Answer: No

Answer: Yes, participating financial institutions may charge up to $500 for applications. It will be the determination of the financial institution whether they will charge a fee or not. The only requirement is that the fee may not be paid from relief funds.

Answer: A business is a “going concern” for purpose of the program if, with the help of funds received from the program, the business intends to operate into the foreseeable future.

Answer: The PFI is allowed great latitude in what documents it may consider to determine revenue losses or payroll. This includes, but is not limited to, paystubs, tax returns, Profit & Loss Statements, business bank statements, payroll records or any other document that a business would be expected to keep as a part of the business’s records. As an aid to the PFI, the business may also choose to submit a summary of how the amounts were calculated along with the records upon which the calculations were based to the PFI. The most important fact is that the numbers used to calculate the revenue loss and payroll must be reflected in the documentation submitted to the PFI by the business.

Answer: Yes. Only the Department of Commerce can make the final determination as to whether or not a business meets the eligibility requirements of the program. In the event a business applies to the program which appears to be ineligible, the PFI may either send the application and documents to ODOC for the final eligibility determination or the PFI can notify the business that they are likely to be ineligible and ask if the business wishes to proceed with the application. If the business wishes to proceed, the application shall be sent to ODOC for the final eligibility determination.

Financial Institution Participation

Financial institutions that would like to participate can find additional information on the page for financial institutions. 

List of Participating Financial Institutions

Please Note: The list of participating financial institutions is being updated as new financial institutions are added to the program. Check back for regular additions to the list.

The following is a list of financial institutions that have indicated they wish to participate in the Oklahoma Business Relief Program. Businesses who wish to apply should verify with the financial institution of their choice whether or not they are participating in the OBRP program. The Oklahoma Department of Commerce does not recommend any one financial institution over another and the listing of a financial institution under this section is not an endorsement by the Oklahoma Department of Commerce or its agents.

Financial InstitutionStreet AddressCityAccepting New Customers for OBRP
Kirkpatrick Bank15 E. 15th StreetEdmondNo
Vision Bank101 E. Main StAdaNo
The Exchange Bank300 W Rogers BlvdSkiatookNo
The Citizens Bank of Edmond1 East 1st StreetEdmondNo
The First State Bank20 Sw SqBoise CityNo
First National Bank and Trust of Weatherford1100 East Main StreetWeatherfordNo
BancFirst101 North BroadwayOklahoma CityNo
The Farmers State Bank1100 W Main StreetQuintonNo
Frontier State Bank5100 S I-35 Service RdOklahoma CityNo
National Bank of Sallisaw1000 S Kerr BlvdSallisawNo
OKlahoma Bank and Trust Company600 Gary Blvd.ClintonNo
First National Bank & Trust, Elk CityPO Box 669Elk CityNo
Central National Bank of PoteauPO Box 340PoteauYes, but only in trade area
Shamrock Bank, NA101 Main St.CoalgateYes, but only in trade area
SNB Bank National Association503 South MainShattuckYes
The First Farmers National Bank of Waurika319 East D AvenueWaurikaNo
The First Bank of OkarcheP.O. Box 155OkarcheNo
The Community State Bank1409 N BroadwayPoteauYes
Valliance Bank1601 NW ExpresswayOklahoma CityNo
AVB Bank322 S Main StBroken ArrowYes
Bank71039 NW 63rd St.Oklahoma CityNo
True Sky Credit Union10201 S. Western AveOklahoma CityYes
Union State Bank4110 SE Nowata RoadBartlesvilleNo
ACB Bank323 S GRANDCherokeeNo
First Fidelity Bank5100 N. Classen BlvdOklahoma CityYes
The First National Bank & Trust Company of Miami, Ok.2 N MainMiamiNo
The Stock Exchange Bank1117 10TH STWoodwardNo
SECURITY National Bank of Enid201 W BroadwayEnidNo
First Security Bank15 South DouglasBeaverNo
Regent Bank7136 S. Yale Ave, Suite 100TulsaNo
Vast Bank N.A.110 N. ElginTulsaYes
BancCentral National Association604 Flynn StAlvaYes
Tulsa Economic Development Corporation125 West 3rd StreetTulsaYes
The Bank of Beaver City130 S Douglas AveBeaverNo
Security State Bank of Oklahoma210 S Mekusukey AveWewokaNo
The Seiling State Bank301 N MainSeilingNo
Grand Bank4200 E Skelly Dr. Suite 200TulsaNo
First National Bank and Trust Company of Mcalester235 E Choctaw AveMcalesterNo
Armstrong Bank1111 West BroadwayMuskogeeYes
Security State Bank402 E BroadwayCheyenneNo
American Nation Bank1901 N CommerceArdmoreNo
F&M Bank17100 N. May AveEdmondNo
Exchange Bank and Trust Company523 DelawarePerryNo
Valor Bank1501 Renaissance BoulevardEdmondNo
First Bethany Bank & Trust6500 NW 39th ExpresswayBethany/OKNo
Gateway First Bank244 South Gateway PlaceJenksYes
Firstar Bank1720 E Cherokee AvenueSallisawNo
The State Bank of Wynnewood117 S Dean A McGee AveWynnewoodNo
Stockmans Bank3421 N MainAltusNo
First National Bank of Oklahoma5101 N. Western AvenueOklahoma CityNo
Security Bank10727 E 51st StreetTulsaYes
First National Bank & Trust Company of Ardmore405 W MainArdmoreNo
First National Bank of Oklahoma10900 Hefner Pointe Drive, Suite 300Oklahoma CityNo
Community National Bank of Okarche653 N. Main Highway 81OkarcheNo
FirstBank100 N High StreetAntlersNo
Blue Sky Bank101 E. 8th StreetPawhuskaYes
Rural Enterprises of Oklahoma, Inc.PO Box 1335DurantNo
Red River Federal Credit Union2721 N. MainAltusNo
Legacy Bank101 W MainHintonYes
SpiritBank4815 South Harvard AveTulsaYes
Cornerstone Bank1408 N. Mustang Rd.MustangNo
First Oklahoma Bank100 S Riverfront DrJenksNo
Fairview Savings and Loan Association301 N MainFairviewNo
Oklahoma State Bank2610 S. Division StreetGuthrieNo
American Heritage Bank2 South MainSapulpaNo
Citizens Bank & Trust Company1100 N CommerceArdmoreYes
American Bank of Oklahoma200 E Main StCollinsvilleYes
Citizens Bank of Ada123 W 12th StreetAdaNo
FNB Coweta106 S BroadwayCowetaYes
The Bank, National Association201 E Carl AlbertMcalesterYes
First Bank of Owasso8601 N. Garnett RoadOwassoNo
Peoples Bank445 South Lewis AvenueTulsaNo
Frazer BankP O Box 637AltusNo
Grand Savings Bank1022 S. Main StGroveNo
First National Bank & Trust302 W Chickasha Ave.ChickashaYes
Bank of Laverne111 E Jane Jayroe Blvd.LaverneNo
American Exchange Bank Henryetta, Oklahoma510 West MainHenryettaNo
The Bank of KremlinPO Box 197KremlinYes
AllNations Bank114 E. Main St.CalumetYes
The Farmers Bank1300 N Walker AveOklahoma CityYes
RCB Bank300 W Patti Page BlvdClaremoreYes
Quail Creek Bank, n.a.12201 N May AveOklahoma CityNo
American Bank and Trust CompanySixty Sixty American PlazaTulsaYes
Sooner State Bank2 SE 4TH STTuttleNo
Payne County Bank202 S Main StPerkinsYes
Liberty National Bank629 SW C AveLawtonYes
NBC Oklahoma13401 N PennsylvaniaOklahoma CityNo
Anchor D Bank222 West Main StreetTexhomaYes
COREBANK1522 Missouri StreetWaynokaNo
First National Bank in Okeene124 N Main StOkeeneYes
Bank of Grand Lake201 E 18th StGroveNo
Community Bank104 S Main StBristowNo
Bank of Cordell808 N Glenn EnglishCordellNo
Great Plains National Bank2017 West 3rdElk CityNo
Bank of the Panhandle1223 N MainGuymonNo
The Pauls Valley National Bank101 W. PaulPauls ValleyYes
The Idabel National Bank1201 SE WashingtonIdabelNo
First Bank118 W Roger Miller Blvd.ErickYes
Peoples National Bank300 West GentryChecotahNo
Community Bank1729 College BlvdAlvaNo
1st Bank in Hominy117 N PriceHominyYes
First State Bank102 W. Main StAnadarkoNo
Security Bank and Trust Company2 S Main StMiamiYes
McClain Bank131 W Main StPurcellNo
The First National Bank and Trust Company of Okmulgee610 East 8th StOkmulgeeNo
First State Bank1111 S. Muskogee Ave.TahlequahYes
Farmers and Merchants Bank225 E RenfrowArnettNo
Bank of Western Oklahoma201 E Broadway Ave.Elk CityNo
Carson Community Bank24 W DivisionStilwellYes
Stroud National Bank300 W. MainStroudYes
Arvest Bank100 S Johnstone AveBartlesvilleNo
Ameristate Bank131 S. PennsylvaniaAtokaNo
Red Crown Federal Credit Union5001 E 91st STTulsaYes
First Bank & Trust Co.,PO Box 580DuncanNo
The First National Bank in Marlow301 West MainMarlowYes
Oklahoma's Credit Union3001 N Lincoln BlvdOklahoma CityNo
First Enterprise Bank2115 SW 44thOklahoma CityNo
International Bank of Commerce3817 NW ExpresswayOklahoma CityNo
BOK Financial, NAOne Williams CenterTulsaNo
First State Bank106 N Dalton AvenueValliantNo
Bank of Commerce1601 W CommerceDuncanNo
Green Country Federal Credit Union202 E. Morrow RoadSand SpringsYes
The First National Bank of Lindsay101 South Main StreetLindsayNo
First Security Bank & Trust Company1541 Northeast 23rd StreetOklahoma CityNo
Great Nations Bank2200 E. AlamedaNormanYes
Oklahoma Heritage Bank1131 North Hills CentreAdaYes
Stride Bank, N.A.324 W. BroadwayEnidYes
The Community State Bank1409 N BroadwayPoteauYes
Valliance Bank1601 NW ExpresswayOklahoma CityNo
Armstrong Bank1111 West BroadwayMuskogeeyes
Stockmans Bank3421 N MainAltusNo
FNB Community Bank2911 S Air Depot BlvdMidwest CityNo
Security Bank10727 E 51st StreetTulsaYes
Peoples Bank445 South Lewis AvenueTulsaNo
Bank of Laverne111 E Jane Jayroe Blvd.LaverneNo
American Exchange Bank Henryetta, Oklahoma510 West MainHenryettaNo
Peoples National Bank300 West GentryChecotahNo
Welch State Bank396 South Commercial StreetWelchYes
First State Bank102 W. Main StAnadarkoNo
Equity Bank222 E Grand AvePonca CityYes
Bank of Commerce1601 W CommerceDuncanNo
The First National Bank of Lindsay101 South Main StreetLindsayNo
First Security Bank & Trust Company1541 Northeast 23rd StreetOklahoma CityNo
First United Bank and Trust1400 West Main StreetDurantNo
Bank of Hydro146 West MainHydroNo
Oklahoma Heritage Bank1131 North Hills CentreAdaYes
The City National Bank and Trust Company of Lawton, Oklahoma500 Montgomery SquareLawtonYes
The First State Bank3030 NW Expressway Ste 130Oklahoma CityYes
Farmers State Bank, Allen, Oklahoma201 E. BroadwayAllenNo
Watermark Bank921 NW 63rd StreetOklahoma CityNo
First National Bank and Trust Company of Broken Arrow121 S MainBroken ArrowNo
McCurtain County National Bank20 N ParkBroken BowNo
The Farmers and Merchants National Bank of Fairview312 N MainFairviewNo
Mabrey Bank14821 S MemorialBixbyYes
First Bank & Trust Company, Perry, Oklahoma401 N. 7th StreetPerryNo
Oklahoma State Bank120 W. Canadian AveVinitaNo
American Exchange Bank402 S. Main St.LindsayNo
The State Exchange Bank1280 Main StreetLamontNo
MidFirst Bank501 NW Grand BlvdOklahoma CityNo
All America Bank444 W. State Highway 152MustangYes
High Plains Bank202 N Main StOkeeneNo
Chickasaw Community Bank909 S MeridianOklahoma CityNo
InterBank4921 N May AveOklahoma CityNo
First Summit Bank2251 E MainWeatherfordNo
Security First National Bank100 S BroadwayHugoYes
Oklahoma Central Credit Union4956 South Peoria AvenueTulsaNo
Oklahoma Fidelity Bank9400 N Broadway ExtensionOklahoma CityNo
Simmons Bank608 So. MainStillwaterNo


The Oklahoma Department of Commerce (ODOC) does not warranty, either expressly or implicitly, the services provided by the listed financial institutions, nor does ODOC warrant or guarantee the reliability or quality of the financial institutions listed. Information provided on this page is being provided “as is” with no guarantee of accuracy from ODOC. Any disputes surrounding the services from any of the listed financial institutions shall be handled solely between the financial institution and the customer, without the involvement of ODOC.

Before conducting business with any of the listed financial institutions, the customer is solely responsible for doing their own due diligence as to the quality and reliability of the financial institution.

This list reflects financial institutions who have indicated an interest in participating in the program only. The fact that a financial institution is listed on this page is not a guarantee of their participation. Businesses should contact the institution to verify their participation.

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