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M1B Homepage Features

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Protect and Grow

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Improve Cash Flow Management

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Customized Solutions

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M3 Our Expertise Condensed

Full Spectrum Approach

We begin by listening to your unique situation and goals. Whatever your needs — from how to set aside money for retirement, to reducing unnecessary expenses to helping you reach your financial goals — our financial advisors can help you see the big picture.

Start Your Plan for Financial Success

Most people want to get more out of their lives. They want to spend time doing things they are interested in and focus on those areas of their lives that deliver the most satisfaction — personally and professionally. A sound financial plan can help make this possible. And our financial advisors can help.

Find the Solution Right for You

We can tailor the level of financial planning advice and guidance we provide based not only on the complexity of your financial situation, but also on your desire for long-term plan maintenance and fees.
M3 Our Expertise
Bank of Oklahoma
Our Commitment to You

Our community is our livelihood. For that reason, we believe in giving back every day and in many different ways. Serving our community is more than a commitment. It's our culture.

Financially Supporting Key Civic Activities

We strategically invest in programs that enhance both the quality of life and economic well-being of our communities. We allocate resources - both financial and in-kind – to make a difference in the communities we serve.

Building Meaningful Relationships

Making a community stronger begins with clearly understanding its needs. That's why BOK Financial has developed meaningful relationships with more than 700 nonprofit partners in the eight states where we have banking centers.

Recruiting Top Talent from the Area

We work hard every day to attract the finest talent available in Colorado for each line of business we offer. And we encourage and support employee volunteerism.

Taking a Leadership Role in the Community

We have executive leaders and senior managers residing in and serving the local community in a variety of capacities.

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M6 Introduction

Welcome to the Colorado State Bank and Trust

M7 Single Service

With a properly structured equipment lease, you can:

  • Maximize cash flow through 100% financing on most equipment types and lower cost of funds, freeing up cash and working capital for business growth and emerging opportunities.
  • Minimize the impact of Alternative Minimum Tax (AMT), because lease payments are not treated as a tax preference item used to calculate AMT.
  • Leverage assets by reducing cash requirements during the life of the equipment.

M8 Integrated Services

M9 Benefits Left

View or download balance reports and account history, even for your loans. And you can also view check images or retrieve copies of your account statements. Now, everything you need to view your banking transactions is in one place.

M9 Benefits Right

View or download balance reports and account history, even for your loans. And you can also view check images or retrieve copies of your account statements. Now, everything you need to view your banking transactions is in one place.

M13 Goals list

Personal Finance Resources

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At Colorado State Bank and Trust

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M15 Groups Left Aligned

Parents, grandparents and benefactors are qualified to take advantage of federal tax exclusion for the purpose of higher learning.

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M15 Group Right Aligned

Parents, grandparents and benefactors are qualified to take advantage of federal tax exclusion for the purpose of higher learning.

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M16 How it works

Colorado State Bank and Trust is a SBA Preferred Lender, which means easier applications and quicker approvals for your business. SBA Loans are made and administered by Colorado State Bank and Trust and the SBA guarantees a portion of each loan. Because we are SBA Certified, we participate in most of the loan programs available by the SBA including the SBA 7(a) Loan, SBA 504 Loan, SBA Express and others.

A wide array of owner-operated and managed-for-profit businesses — from retail to wholesale and from manufacturing to service — are eligible for loans. Proprietorships, partnerships and corporations are all eligible for the SBA programs.

The SBA guarantees a percent of loans made to businesses by banking or lending institutions. While the SBA does not make the loans, they provide the SBA Guarantee that these loans will be repaid, thus eliminating some of the risk to the lenders. The percent of the loan that the SBA will guarantee depends on the type of loan program.

Interest rates can be adjusted monthly, quarterly or semiannually, and a ceiling can be placed on the rates for the life of the loan. Fixed rates are available under certain circumstances. Terms for SBA Loans depend on the use of the proceeds, with maximum terms ranging from seven years for working capital to 25 years for buildings and real estate.

M17 Quotation

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Today, we have more than $2 billion in healthcare loans to healthcare companies of various types and sizes, in addition to a large and growing base of clients who rely on us for innovative cash management solutions.
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As an ACT Associate, I participated in numerous business line overviews, spent time working on current projects, and had unique exposure to the entire organization.
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Finding the funds to grow your business can be a challenge. But, if you're ready to expand, it's often necessary. Below, you'll find information on some of the best ways to start raising funds, so you can take your next step.
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M18 Resources

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M19 Your Contacts

Phone 918.588.8685

Lease Options

  • True (Operating) leases
  • Finance (Capital) leases
  • Sale and lease back options

Added Benefits

  • Save money by paying with pre-tax dollars.
  • Secure fixed payments.
  • Safeguard against technological obsolescence.
  • Conserve your valuable lines of credit.

Qualified Tools, Equipment and Vehicles

  • Trucks and transportation equipment
  • IT equipment and software
  • Construction and off-road equipment
  • Commercial and corporate aircraft
  • Manufacturing machinery and equipment
  • Material handling
  • Vessels and container
  • Business and office equipment
  • Warehouse distribution systems

M21 Related information

M22 - FAQ

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M23 What's New

Summer is a time to relax and dream.

If you need a plan to make your dreams a reality, we can help. We'll work hand-in-hand with you so you can live for today, while planning for tomorrow. What's Your Dream? What's Your Plan?

M30 Top

What Should You Look for in a Private Bank Relationship?

We feel it’s important to have a regular financial checkup and evaluation just as it is with your personal health.

What's the Best Way to Manage Risk in My Portfolio

Using a variety of indicators, we can measure different types of risk for all types of investments.

M31 Poll

Over 24 Years of Experience serving Native Americans and Tribal Governments

We offer a wide variety of financial services to tribal governments and gaming enterprises.

M33 Recommended Pages

M34 Important Links

M35 Your Team

The best decisions happen when you have the support of a great team. Let us be a part of your success story. Teaming up with us means:

  • Delivery of competitive products.
  • Personal and responsive service.
  • Bankers who know your business.

M37A Video with Details

Online Banking from Colorado State Bank and Trust allows you to bank when it’s most convenient for you. You're not limited to business hours - Online Banking is available 7 days a week, 365 days a year. It's secure, fast and easy to manage your finances on your terms. And with our Online Banking Guarantee, you can feel confident knowing that your information is secure while banking online.

Watch our short video demo to get acquainted with Online Banking.

Disclosure - Loan Rates

1 - The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

2 - The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

3 - The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

4 - The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.