Fueling Small Business & Community Growth with SBA Loans
At Citizens Bank & Trust, small businesses aren’t just customers. They’re our neighbors. Supporting local entrepreneurs and growing companies is at the heart of what we do.
As a local SBA loan lender, we use Small Business Administration (SBA) loans to help expand access to capital, promote economic development, and strengthen the communities we serve.
We’re committed to responsible, relationship-based lending that helps create jobs, support long-term business sustainability, and keep our local economy strong, while maintaining sound underwriting and personalized service from a dedicated SBA banker.
What Is an SBA Loan?
A SBA loan is a small business loan made by Citizens Bank & Trust and partially guaranteed by the Small Business Administration. Because of this SBA guaranty, we’re often able to offer financing options and SBA loan terms that may not be available through conventional loans.
When you apply for a SBA loan with us, you’ll work directly with our local lending team from start to finish. We believe the process should feel clear, straightforward, and personal.
How SBA Loans Can Support Your Business
Whether you’re planning your next phase of growth or simply need more flexibility, SBA financing may help your business by offering:
- Longer repayment terms
- Lower down payment requirements
- Flexible use of loan proceeds
- Financing options for growing, expanding, or transitioning businesses
These features are designed to help you preserve working capital, invest in your operations, and build long-term stability. This allows you to focus on running and growing your business with confidence.
Common Uses for SBA Loans
SBA loans can be used for a wide range of business needs, including:
- Owner-occupied commercial real estate (including SBA loans for commercial real estate)
- Business acquisition financing or expansion
- Equipment and machinery purchases (equipment financing through SBA programs)
- Working capital SBA loans
- Refinancing eligible business debt
Whether you’re buying a building, purchasing equipment, financing a business acquisition, or funding an expansion, we’re here to help. Our team can walk you through SBA loan options and find the right solution.
Is a SBA Loan Right for Your Business?
SBA loans may be a strong fit for:
- Small businesses and entrepreneurs
- Growing or expanding companies
- Businesses seeking flexible financing options
- Owners looking for a local SBA lender with a relationship-focused approach
Each SBA loan request is evaluated individually based on creditworthiness and ability to repay. We take the time to understand your goals so we can determine the right structure for your needs.
Get in touch with your SBA partner.
All loans are subject to credit approval. Program terms, conditions, and eligibility requirements apply. SBA guaranty percentages and loan structures vary by program.