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SBA Lending

Whatever stage of success you find your business, we'll meet you there.

We are committed to helping you reach your financial goals. Understand how the right financial tools can help manage growth, purchase equipment, or provide cash flow for your small business.

The Small Business Administration is a valuable resource providing business education, strategic planning tools, training, and mentor opportunities.

SBA Loans can be a key solution to finance your business with flexible terms and reasonable interest rates. If you are a current or future business owner, Citizens Bank & Trust can help determine if one of our SBA programs is the right financing solution for you.

SBA 7(a) Loans

Proceeds can be used for most business purposes related to debt refinance, land and inventory purchase, facility improve­ments and credit lines.

504 Loans

Used to acquire real estate and other fixed assets allowing lower down payments, fixed rates, and longer terms.

Eligible Borrowers

  • The business must be officially registered, operate legally by state and federal guide­lines, and be a for-profit organization.
  • The business must be physically located and operated in the U.S. or its territories.
  • The business owner must prove time and financial investment of their own to the business.