Celtic Bank Corporation

This is a commercial bank offering SBA loan programs designed to help small and medium-sized businesses access financing for growth, real estate, equipment, and operational needs.

It's recommended to schedule an appointment with a loan officer to discuss your financing needs, though walk-in consultations may be available during business hours.

Standard hours are Monday through Friday, 9 am to 5 pm, but it's best to contact the branch directly for specific appointment times.

There are no fees to visit or inquire; however, loan processing and application fees may apply depending on the loan terms.

This service is open to small and medium-sized businesses across the country, regardless of residency, provided they meet the loan eligibility criteria.

Typically, a minimum personal credit score of 640 is preferred, but higher scores may improve approval chances.

The underwriting process generally takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Celtic Bank Corporation typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Celtic Bank Corporation to confirm current weekend availability before you go.

Celtic Bank Corporation is located in Utah — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Celtic Bank Corporation, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Celtic Bank Corporation itself, which runs its own lending under its own ownership. If you work at Celtic Bank Corporation, you can claim this listing from this page to manage it.

The core details for Celtic Bank Corporation — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Celtic Bank Corporation before applying. If you represent Celtic Bank Corporation, claim this listing to keep its information up to date.

You can reach Celtic Bank Corporation by phone at (800) 509-6191 or online at celticbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Celtic Bank Corporation before relying on them.

Based on its approved SBA loans, Celtic Bank Corporation most often finances businesses in construction & contractors, medical practices & clinics, general retail, restaurants & food service, wholesale & distribution, and automotive repair & services. This reflects Celtic Bank Corporation's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Celtic Bank Corporation which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Celtic Bank Corporation participates in SBA Express depends on its specific SBA lending authority. Contact Celtic Bank Corporation and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Celtic Bank Corporation can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Celtic Bank Corporation's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Celtic Bank Corporation directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Celtic Bank Corporation what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Celtic Bank Corporation to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Celtic Bank Corporation to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Celtic Bank Corporation weighs this case by case under its own policy, so be upfront about your history and ask Celtic Bank Corporation how it evaluates prior bankruptcies.