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Citizens Bank & Trust Co

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Description

Offering comprehensive SBA lending services, Citizens Bank & Trust Co specializes in supporting small businesses with various financing options. With a focus on SBA 7(a) loans, the bank provides tailored financial solutions to meet the needs of entrepreneurs and growing companies. Located in Hutchinson, Minnesota, the bank has a strong history of facilitating business growth through accessible lending programs and personalized service. Their team is dedicated to guiding clients through the loan process, ensuring clarity and efficiency from application to approval. Whether you’re seeking funding for expansion, equipment, or working capital, Citizens Bank & Trust Co is committed to helping your business succeed with flexible terms and competitive rates. The bank’s expertise in SBA lending makes it a reliable partner for small business owners looking to leverage government-backed financing options.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.3
Google Review Count
29
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs and small business financing solutions. You can find assistance with loan applications, business planning, and funding options tailored to your needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 8:30 AM to 5:00 PM, with special hours on certain holidays.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to visit the bank; however, loan applications and processing may involve standard SBA and bank fees.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
The bank primarily serves local residents and small business owners in the region, but they welcome inquiries from new clients nationwide for SBA loan programs.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
Typically, a minimum credit score of 640 is preferred, but this can vary based on the loan specifics and borrower profile.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process generally takes between 30 to 45 days, depending on the completeness of documentation and loan complexity.
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