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SBA Loans

Citizens National Bank is an approved administrator of SBA loan programs. As such, we offer a variety of options through the Small Business Administration allowing opportunity for qualified small businesses to obtain financing when they may not be eligible for business loans through normal lending channels.

Learn more by visiting the Small Business Administration's website,

View this video to learn more about how SBA works locally.

Common loan programs include:

  • 7(a) Loan Program - The 7(a) Loan Program includes financial help for businesses with special requirements. For example, funds are available for loans to businesses that handle exports to foreign countries, businesses that operate in rural areas, and for other very specific purposes.
  • Microloan Program - The Microloan Program provides small, short-term loans to small business concerns and certain types of not-for-profit child-care centers. The SBA makes funds available to specially designated intermediary lenders, which are nonprofit community-based organizations with experience in lending as well as management and technical assistance. These intermediaries make loans to eligible borrowers. The maximum loan amount is $50,000, but the average microloan is about $13,000.
  • CDC/504 Loan Program - The 504 Loan Program provides approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization. 504 loans are made available through Certified Development Companies (CDCs), SBA's community based partners for providing 504 Loans.

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