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Oklahoma Business Relief Program

NOTICE: The OBRP program is now closed and Commerce is no longer taking new applications.

Funding for the program has been exhausted. The program is closed and no new applications are being taken.

Important Tax Information for Participants

Grant funds are considered taxable income. 1099G forms have been mailed to program grant recipients at their address on file from their applications. Unlike PPP the IRS/Treasury considers similar state and local grants taxable income.

See the FAQ section for additional information.

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.

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: February 2,  2021

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.

I'm a non-profit and received a 1099-G what should I do?

Answer: We cannot give tax advice, but encourage non-profits to consult with their tax professionals/CPAs on their tax exemption status with regard to this grant award.

Is my OBRP grant Taxable income at the State and Federal Level?

Answer: Yes, the grant funds are considered taxable income. A 1099G has been mailed to the address on file. Unlike PPP the IRS/Treasury considers similar state and local grants taxable income.

May the business and financial institution use electronic signatures on the documents in the application packet?

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.

What types of businesses must be in good standing with the Oklahoma Secretary of State to participate in the program

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.

How long are participating financial institutions required to retain documentation submitted for the applications?

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.

Will participating financial institutions receive CRA credit for the disbursement of relief funds?

Answer: No

May participating financial institutions charge a fee for applications submitted through the Oklahoma Business Relief Program?

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.

What is meant by the term “going concern” as used in the application documents?

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.

What types of documentation must the PFI require from the business to determine revenue losses or payroll?

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.

If the PFI makes the determination that the applicant business is ineligible, does the bank still need to transmit the application and paperwork to the Department of Commerce?

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.

Are insurance agencies a qualified business activity?

Answer: Yes, insurance agencies sell products for insurance companies. Insurance companies are the carriers and are not qualified in this program.

Are Phase 2 rules and qualifying time periods the same rules and qualifying time periods utilized in Phase 1?

Answer: Yes.

If my business applied in Phase 1, will it be eligible for Phase 2?

Answer: If the participating financial institution received a confirmation number upon submitting an application for your business, then no your business is not eligible for Phase 2 funding. If your application was complete and ready for submission, but was not submitted before the cut-off time, then yes it is eligible to be submitted for Phase 2.

Will I need to resubmit my application in Phase 2 if I submitted for Phase 1 but the application was not processed before the cutoff time?

Answer: Please visit with your participating financial institution about their requirements.

What will be the cutoff time in Phase 2?

Answer: Cutoff time will depend on the rate of submissions for the Oklahoma Business Relief Program in Phase 2.

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 Institution Street AddressCityAccepting New Customers for OBRP
1st Bank in Hominy117 N PriceHominyNo
ACB Bank323 S GRANDCherokeeNo
All America Bank444 W. State Highway 152MustangNo
AllNations Bank114 E. Main St.CalumetYes
American Bank and Trust CompanySixty Sixty American PlazaTulsaYes
American Bank of Oklahoma200 E Main StCollinsvilleNo
American Exchange Bank402 S. Main St.LindsayNo
American Exchange Bank Henryetta, Oklahoma510 West MainHenryettaNo
American Exchange Bank Henryetta, Oklahoma510 West MainHenryettaNo
American Heritage Bank2 South MainSapulpaNo
American Nation Bank1901 N CommerceArdmoreNo
Ameristate Bank131 S. PennsylvaniaAtokaNo
Anchor D Bank222 West Main StreetTexhomaYes
Armstrong Bank1111 West BroadwayMuskogeeYes
Arvest Bank100 SE Frank Phillips BlvdBartlesvilleNo
AVB Bank322 S Main StBroken ArrowYes
BancCentral National Association604 Flynn StAlvaYes
BancFirst101 North BroadwayOklahoma CityNo
Bank of Cherokee CountyP.O. Box 660HulbertNo
Bank of Commerce1601 W CommerceDuncanNo
Bank of Commerce1601 W CommerceDuncanNo
Bank of Cordell808 N Glenn EnglishCordellNo
Bank of Grand Lake201 E 18th StGroveNo
Bank of Hydro146 West MainHydroNo
Bank of Laverne111 E Jane Jayroe Blvd.LaverneNo
Bank of Locust Grove124 E Main Street; PO Box 219Locust GroveNo
Bank of the Panhandle1223 N MainGuymonNo
Bank of Western Oklahoma201 E Broadway Ave.Elk CityNo
Bank71039 NW 63rd St.Oklahoma CityNo
Blue Sky Bank101 E. 8th StreetPawhuskaYes
BOK Financial, NAOne Williams CenterTulsaNo
Carson Community Bank24 W DivisionStilwellYes
Central National Bank of PoteauPO Box 340PoteauYes, but only in trade area
Chickasaw Community Bank909 S MeridianOklahoma CityNo
Citizens Bank & Trust Company1100 N CommerceArdmoreYes
Citizens Bank of Ada123 W 12th StreetAdaNo
Commerce Bank5314 S Yale AveTulsaNo
Community Bank104 S Main StBristowNo
Community Bank1729 College BlvdAlvaNo
Community National Bank of Okarche653 N. Main Highway 81OkarcheNo
COREBANK1522 Missouri StreetWaynokaNo
Cornerstone Bank1408 N. Mustang Rd.MustangNo
Equity Bank222 E Grand AvePonca CityYes
Exchange Bank and Trust Company523 DelawarePerryNo
F&M Bank17100 N. May AveEdmondNo
Fairview Savings and Loan Association301 N MainFairviewNo
Farmers and Merchants Bank225 E RenfrowArnettNo
Farmers State Bank, Allen, Oklahoma201 E. BroadwayAllenNo
First Bank118 W Roger Miller Blvd.ErickYes
First Bank & Trust Co.,PO Box 580DuncanNo
First Bank & Trust Company, Perry, Oklahoma401 N. 7th StreetPerryNo
First Bank of Owasso8601 N. Garnett RoadOwassoNo
First Bethany Bank & Trust6500 NW 39th ExpresswayBethany/OKNo
First Enterprise Bank2115 SW 44thOklahoma CityNo
First Fidelity Bank5100 N. Classen BlvdOklahoma CityYes
First National Bank & Trust302 W Chickasha Ave.ChickashaNo
First National Bank & Trust Company of Ardmore405 W MainArdmoreNo
First National Bank & Trust, Elk CityPO Box 669Elk CityNo
First National Bank and Trust Company130 E. MacArthurShawneeNo
First National Bank and Trust Company of Broken Arrow121 S MainBroken ArrowNo
First National Bank and Trust Company of Mcalester235 E Choctaw AveMcalesterNo
First National Bank and Trust of Weatherford1100 East Main StreetWeatherfordNo
First National Bank in Okeene124 N Main StOkeeneYes
First National Bank of Oklahoma5101 N. Western AvenueOklahoma CityNo
First National Bank of Oklahoma10900 Hefner Pointe Drive, Suite 300Oklahoma CityNo
First Oklahoma Bank100 S Riverfront DrJenksNo
First Security Bank15 South DouglasBeaverNo
First Security Bank & Trust Company1541 Northeast 23rd StreetOklahoma CityNo
First Security Bank & Trust Company1541 Northeast 23rd StreetOklahoma CityNo
First State Bank102 W. Main StAnadarkoNo
First State Bank1111 S. Muskogee Ave.TahlequahYes
First State Bank106 N Dalton AvenueValliantNo
First State Bank102 W. Main StAnadarkoNo
First Summit Bank2251 E MainWeatherfordNo
First Summit Bank2251 E MainWeatherfordNo
First United Bank and Trust1400 West Main StreetDurantNo
Firstar Bank1720 E Cherokee AvenueSallisawNo
FirstBank100 N High StreetAntlersNo
FNB Community Bank2911 S Air Depot BlvdMidwest CityNo
FNB Coweta106 S BroadwayCowetaYes
Frazer BankP O Box 637AltusNo
Frontier State Bank5100 S I-35 Service RdOklahoma CityNo
Gateway First Bank244 South Gateway PlaceJenksYes
Grand Bank4200 E Skelly Dr. Suite 200TulsaNo
Grand Savings Bank1022 S. Main StGroveNo
Great Nations Bank2200 E. AlamedaNormanYes
Great Plains National Bank2017 West 3rdElk CityNo
Green Country Federal Credit Union202 E. Morrow RoadSand SpringsYes
High Plains Bank202 N Main StOkeeneNo
InterBank4921 N May AveOklahoma CityNo
International Bank of Commerce3817 NW ExpresswayOklahoma CityNo
Kirkpatrick Bank15 E. 15th StreetEdmondNo
Legacy Bank101 W MainHintonYes
Liberty National Bank629 SW C AveLawtonYes
Mabrey Bank14821 S MemorialBixbyYes
McClain Bank131 W Main StPurcellNo
McCurtain County National Bank20 N ParkBroken BowNo
MidFirst Bank501 NW Grand BlvdOklahoma CityNo
National Bank of Sallisaw1000 S Kerr BlvdSallisawNo
NBC Oklahoma13401 N PennsylvaniaOklahoma CityNo
OKlahoma Bank and Trust Company600 Gary Blvd.ClintonNo
Oklahoma Central Credit Union4956 South Peoria AvenueTulsaNo
Oklahoma Fidelity Bank9400 N Broadway ExtensionOklahoma CityNo
Oklahoma Heritage Bank1131 North Hills CentreAdaYes
Oklahoma Heritage Bank1131 North Hills CentreAdaYes
Oklahoma State Bank2610 S. Division StreetGuthrieNo
Oklahoma State Bank120 W. Canadian AveVinitaNo
Oklahoma State Bank122 S. Hoy St.BuffaloNo
Oklahoma's Credit Union3001 N Lincoln BlvdOklahoma CityNo
Payne County Bank202 S Main StPerkinsYes
Peoples Bank445 South Lewis AvenueTulsaNo
Peoples Bank445 South Lewis AvenueTulsaNo
Peoples National Bank300 West GentryChecotahNo
Peoples National Bank300 West GentryChecotahNo
Quail Creek Bank, n.a.12201 N May AveOklahoma CityNo
RCB Bank300 W Patti Page BlvdClaremoreNo
Red Crown Federal Credit Union5001 E 91st STTulsaYes
Red River Federal Credit Union2721 N. MainAltusNo
Regent Bank7136 S. Yale Ave, Suite 100TulsaNo
Rural Enterprises of Oklahoma, Inc.PO Box 1335DurantNo
SECURITY National Bank of Enid201 W BroadwayEnidNo
Security Bank10727 E 51st StreetTulsaNo
Security Bank and Trust Company2 S Main StMiamiYes
Security First National Bank100 S BroadwayHugoYes
Security State Bank402 E BroadwayCheyenneNo
Security State Bank of Oklahoma210 S Mekusukey AveWewokaNo
Shamrock Bank, NA101 Main St.CoalgateYes, but only in trade area
Simmons Bank608 So. MainStillwaterNo
SNB Bank National Association503 South MainShattuckYes
Sooner State Bank2 SE 4TH STTuttleNo
SpiritBank4815 South Harvard AveTulsaYes
Stockmans Bank3421 N MainAltusNo
Stockmans Bank3421 N MainAltusNo
Stride Bank, N.A.324 W. BroadwayEnidYes
Stroud National Bank300 W. MainStroudYes
The Bank of Beaver City130 S Douglas AveBeaverNo
The Bank of KremlinPO Box 197KremlinYes
The Bank, National Association201 E Carl AlbertMcalesterYes
Citizens Bank of Edmond, The1 East 1st StreetEdmondNo
The City National Bank and Trust Company of Lawton, Oklahoma500 Montgomery SquareLawtonYes
The Community State Bank1409 N BroadwayPoteauYes
The Community State Bank1409 N BroadwayPoteauYes
The Exchange Bank300 W Rogers BlvdSkiatookNo
The Farmers and Merchants National Bank of Fairview312 N MainFairviewNo
The Farmers Bank1300 N Walker AveOklahoma CityNo
The Farmers State Bank1100 W Main StreetQuintonNo
The First Bank of OkarcheP.O. Box 155OkarcheNo
The First Farmers National Bank of Waurika319 East D AvenueWaurikaNo
The First National Bank & Trust Company of Miami, Ok.2 N MainMiamiNo
The First National Bank and Trust Company of Okmulgee610 East 8th StOkmulgeeNo
The First National Bank in Marlow301 West MainMarlowYes
The First National Bank of Lindsay101 South Main StreetLindsayNo
The First National Bank of Lindsay101 South Main StreetLindsayNo
The First State Bank20 Sw SqBoise CityNo
The First State Bank3030 NW Expressway Ste 130Oklahoma CityYes
The Idabel National Bank1201 SE WashingtonIdabelNo
The Pauls Valley National Bank101 W. PaulPauls ValleyYes
The Seiling State Bank301 N MainSeilingNo
The State Bank of Wynnewood117 S Dean A McGee AveWynnewoodNo
The State Exchange Bank1280 Main StreetLamontNo
The Stock Exchange Bank1117 10TH STWoodwardNo
True Sky Credit Union10201 S. Western AveOklahoma CityYes
Tulsa Economic Development Corporation125 West 3rd StreetTulsaYes
Union State Bank4110 SE Nowata RoadBartlesvilleNo
Valliance Bank1601 NW ExpresswayOklahoma CityNo
Valor Bank1501 Renaissance BoulevardEdmondNo
Vast Bank N.A.110 N. ElginTulsaNo
Vision Bank101 E. Main StAdaNo
Washita State BankPO Box 390; 701 S Highway 44Burns FlatNo
Watermark Bank921 NW 63rd StreetOklahoma CityNo
Welch State Bank396 South Commercial StreetWelchYes


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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