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Citizens Bank & Trust Company

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Description

Citizens Bank & Trust Company offers comprehensive SBA lending services tailored to small businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, this institution provides various loan options, including the SBA 7(a) program, to help fund business expansion, equipment purchases, and working capital needs. Their experienced team guides clients through the application process, ensuring clarity and support at every step. Located in Plaquemine, LA, they serve the surrounding community with personalized financial solutions designed to meet diverse business needs. The bank emphasizes quick approval times and competitive rates, making it an ideal partner for small business owners looking to leverage SBA resources effectively. Whether you’re starting a new venture or expanding an existing operation, Citizens Bank & Trust Company is committed to helping you achieve your business goals with tailored financing options and dedicated customer service.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.1
Google Review Count
7
Question 1
What is this place and what can I find here?
Answer 1
This is a bank offering SBA loan programs and small business financing options, providing personalized support to help entrepreneurs grow their businesses.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment, but walk-ins are also welcome during business hours for assistance with loan inquiries.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with extended hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are standard fees associated with SBA loans, including application and closing costs, but no additional fees for accessing services.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners within the community, but others may also apply for SBA loans with qualifying criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 620 is generally required to qualify for SBA loan programs.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and documentation provided.
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