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Citizens Bank & Trust

GUNTERSVILLE, AL 35976

8
Loans Approved
$9.4M
Total Volume
$1.2M
Avg Loan Size
1
States Served

States Served

Alabama

Top Industries Financed

  • Full-Service Restaurants
  • All Other Amusement and Recreation Industries
  • Offices of Physicians (except Mental Health Specialists)
  • Convenience Stores
  • Beauty Salons

Quick Summary

Citizens Bank & Trust is an SBA-approved lender headquartered in GUNTERSVILLE, Alabama. Since 2020, they have approved 8 SBA 7(a) loans totaling $9.4M, with an average loan size of $1.2M. They primarily serve Alabama businesses.

About Citizens Bank & Trust

Citizens Bank & Trust is an SBA-approved lender headquartered in GUNTERSVILLE, Alabama. Since 2020, they have approved 8 SBA 7(a) loans totaling $9.4M, with an average loan size of $1.2M. They primarily serve businesses in Alabama.

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Helpful SBA Borrower Guides

SBA 7(a) RequirementsDocuments ChecklistHow to Choose a Lender

Frequently Asked Questions

Is Citizens Bank & Trust an SBA Preferred Lender?

Citizens Bank & Trust is an SBA-approved lender but does not currently hold Preferred Lender (PLP) status. Loan approvals require standard SBA review, which typically adds 2–4 weeks to the process.

How many SBA loans has Citizens Bank & Trust approved?

According to SBA FOIA public records, Citizens Bank & Trust has approved 8 SBA 7(a) loans totaling $9.4M since 2020. Their average loan size is $1.2M.

What states does Citizens Bank & Trust serve?

Citizens Bank & Trust primarily serves businesses in Alabama.

How do I apply for an SBA loan with Citizens Bank & Trust?

To apply for an SBA 7(a) loan with Citizens Bank & Trust, 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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