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Citizens Alliance Bank

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Description

Citizens Alliance Bank offers comprehensive SBA lending solutions tailored to meet the needs of small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the bank provides various loan programs including the SBA 7(a) and 504 loans, which are designed to facilitate business expansion, equipment purchase, and real estate acquisition. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. The bank’s commitment to personalized service makes it a reliable partner for business owners looking to access capital with favorable terms and flexible repayment options. Whether you’re a startup or an established enterprise, Citizens Alliance Bank strives to help you achieve your business goals with tailored financing options and expert advice.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.2
Google Review Count
10
Question 1
What is this place and what can I find here?
Answer 1
This is a bank that provides SBA loan programs and financial services tailored to small business needs, including support for growth and real estate projects.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank operates during regular business hours, typically Monday through Friday from 8:30 AM to 5:00 PM.
Question 4
Is there a fee to use this?
Answer 4
There are fees associated with loan processing and services, which vary depending on the specific loan product and terms.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves small business owners and local residents within its regional service area.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of around 640 is generally preferred, though other factors are also considered.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.
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