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Citizens Bank & Trust

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Description

Citizens Bank & Trust offers comprehensive SBA lending services designed to support small and medium-sized businesses across various industries. With a focus on the SBA 7(a) program, they provide flexible financing options that help entrepreneurs expand, purchase equipment, or improve cash flow. Their team is dedicated to guiding clients through the loan process, ensuring clarity and support at every step. Located in Gunterville, Alabama, they serve local businesses while also supporting regional economic growth. The bank specializes in small business loans, offering personalized service tailored to each borrower’s unique needs. Whether you’re starting a new venture or growing an existing one, Citizens Bank & Trust provides the financial tools necessary for success. Their experienced staff works closely with clients to develop customized loan solutions, leveraging SBA programs to maximize benefits. They are committed to fostering economic development within their community and beyond, making them a reliable partner for small business financing.

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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 bank offering SBA loan programs and financial services for small businesses. You can find assistance with business financing, including SBA 7(a) loans, and personalized support to help grow your business.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The branch operates Monday through Friday from 9:00 AM to 5:00 PM, but hours may vary on holidays or special occasions.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for visiting the branch; however, loan processing and application fees may apply depending on the services used.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local residents and small business owners in the Gunterville area, but they may also support regional clients with SBA loans.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally required, though higher scores may improve loan approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 30 to 60 days, depending on the complexity of the loan and completeness of the application.
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