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SBA Loans

Citizens National Bank is an approved administrator of Small Business Administration (SBA) loan programs. As such, we offer a variety of options through the SBA 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 SBA's website.

View this video to learn more about how SBA works locally.
Small Business Administration (SBA) Programs


  • Simplifies small business loans
  • Maximum loan amount of $350,000
  • Easy one-page application
  • Response from SBA within 36 hours
  • SBA guarantee of up to 50% of loan amount

  • Purpose is to start of grow a business
  • Existing business has average annual sales for previous 3 years not exceeding $5 million, and the business employs no more than 100 people
  • Business owners have good credit and are of good character

SBA 7A Guaranteed Loans

  • Maximum loan amount of $5 million
  • Both fixed and variable interest rate structures are available
  • SBA guarantee of up to 85% on loans up to $150,000 and 75% on loans of more than $150,000

  • Loans to businesses, not individuals
  • May be used to establish a new business or assist in the acquisition, operation or expansion of an existing business
  • Maximum loan maturities are 25 years for real estate, up to 10 years for equipment and up to 7 years for working capital

SBA 504 Loans

  • Maximum loan amount of $4 - $5.5 million depending upon how funds will be used and which goal they support: job creation, public policy or small manufacturing
  • Interest rates are pegged to an increment above the current market rate for 5-year and 10-year U.S. Treasury issues
  • SBA guarantee of up to 85% on loans up to $150,000 and 75% on loans of more than $150,000

  • Applicants must operate as a for-profit company and do business in the United States. For a complete list of eligibility requirements, click here.
  • Funds must be used for job creation, meeting public policy goals of energy reduction or alternative fuels or to aid small manufacturing in creating or retaining jobs or in order to improve the economy.
  • Maturity terms of 10 and 20 years are available.
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Learn more about how our commercial loan services can benefit your business today. Call:
Mon. - Fri. 8:30 am - 5 pm EST
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