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The right loan for your business.

Our customers know they can depend on Ozona Bank for business financing.  Whether you need construction financing or are buying real estate, purchasing new equipment, or looking for working capital, or a term loan, our streamlined credit approval process gives you quick and efficient options for your funding needs.

You can now request a loan online with our simple and secure Commercial Lending Center.  Get the capital your business needs from the bank you trust.  Less paperwork. Less hassle.  Why wait? 

Request your business loan online anytime, anywhere, on any device.


Gather Your Information

The amount of information we need varies with the size and purpose of the loan and the type of collateral offered. However, you will usually need to provide:

  • Current business financial statement, to include balance sheet & profit/loss
  • The last three years of Federal tax returns for the business
  • Accounts receivable & accounts payable aging for your business
  • Personal financial statement
  • The last three years of personal Federal tax returns
  • Detailed accounting of how you will use the proceeds of the loan
  • Requested repayment term

SBA Paycheck Protection Program: Ozona Bank appreciates that even in the best of times, running a small business can be a challenge. With the outbreak of COVID-19 it has presented even more challenges, and we are doing everything we can to support you. 

Congress recently passed a second round of PPP funding, available to business borrowers at Ozona Bank. Click here for information on First and Second draws, as well as the application forms: Form 2485 (First Draw) and Form 2485-SD (Second Draw). In addition, we have created a Loan Checklist that will provide borrowers the information they will need to provide in the application process.

SBA Paycheck Protection Program Forgiveness Process:  Business borrowers should complete, sign and submit the SBA PPP Forgiveness application and required documents to Ozona Bank as soon as possible to ensure there is ample time for the SBA to review. After submitting your application and required documentation, the lender has 60 days to submit a completed application to the SBA for review. The SBA then has 90 days to review and remit appropriate forgiveness amount to the lender. Click here for more information on the Payment Protection Program (PPP) loan forgiveness process. 

For all PPP loans $150,000 and less (previously $50,000 or less, updated in January 2021): the SBA streamlined the PPP Forgiveness application, which is SBA Form 3508S. This form includes certifications from the borrower but does not require calculations submitted with the application. Borrowers must submit documentation verifying eligible payroll and non-payroll expenses. Borrowers are also required to retain the documentation supporting their certifications for six years. For instructions on how to complete SBA Form 3508S, please click here

For all PPP loans over $150,000 (previously $50,000, updated in January 2021): there are two applications: SBA Form 3508EZ and SBA Form 3508. The Demographic Sheet is optional for both applications but recommended by the SBA. Please follow all instructions to determine which application applies. 

Ozona Bank condensed the information for the PPP Forgiveness into a one-page document to assist business borrowers. For the forgiveness document checklist, click here

Please contact us at 210-319-3511for any questions regarding the application or any required documentation needed.



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