States Served
Top Industries Financed
- Fitness and Recreational Sports Centers
- Limited-Service Restaurants
- Snack and Nonalcoholic Beverage Bars
- Full-Service Restaurants
- Offices of Chiropractors
Quick Summary
Citizens Bank is an SBA-approved lender headquartered in ELIZABETHTON, Tennessee. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 1,568 SBA 7(a) loans totaling $1.1B, with an average loan size of $733K. They serve businesses across 45 states.
About Citizens Bank
Citizens Bank is an SBA-approved lender headquartered in ELIZABETHTON, Tennessee. Since 2020, they have approved 1,568 SBA 7(a) loans totaling $1.1B, with an average loan size of $733K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 45 states.
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Nav is the only place where you can track your FICO SBSS score — the score the SBA uses to determine loan eligibility.
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Frequently Asked Questions
Is Citizens Bank an SBA Preferred Lender?
Yes, Citizens Bank is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has Citizens Bank approved?
According to SBA FOIA public records, Citizens Bank has approved 1,568 SBA 7(a) loans totaling $1.1B since 2020. Their average loan size is $733K.
What states does Citizens Bank serve?
Citizens Bank serves businesses in 45 states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington D.C., Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming.
How do I apply for an SBA loan with Citizens Bank?
To apply for an SBA 7(a) loan with Citizens Bank, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
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