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Citizens Business Bank National Association

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Description

Citizens Business Bank National Association offers comprehensive SBA lending services tailored to small and medium-sized businesses. With a focus on supporting local entrepreneurs, this bank provides various loan options including SBA 7(a) and 504 programs, designed to help businesses grow, purchase equipment, or expand operations. Their experienced team guides clients through the application process, ensuring a smooth experience from start to finish. Located in Ontario, California, the bank is committed to fostering economic development in the region by providing flexible financing solutions that meet diverse business needs. Whether you’re a startup or an established enterprise, Citizens Business Bank is equipped to assist with funding that can make your business aspirations a reality. They also support microloans and express loan programs for faster access to capital, making them a versatile partner for business owners seeking timely financial support. The bank’s primary NAICS code focus is on construction, reflecting their strength in construction-related financing. Their approval amounts can go up to $275,000, depending on the loan type and borrower qualifications. With a strong reputation for personalized service, Citizens Business Bank aims to empower local businesses and contribute to regional economic growth.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.3
Google Review Count
19
Question 1
What is this place and what can I find here?
Answer 1
This is a financial institution offering SBA loan programs designed to support small and medium-sized businesses. You can find information about various loan options, application processes, and how they can help your business grow.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.
Question 3
What are the hours of operation?
Answer 3
The bank typically operates from 9 am to 5 pm, Monday through Friday, but hours may vary, so it"s best to contact ahead of time.
Question 4
Is there a fee to use this?
Answer 4
There are no fees to access general information, but loan applications and processing may involve fees such as application or guarantee fees depending on the loan type.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This bank primarily serves local businesses and residents within its regional area but welcomes qualified applicants from the broader community.
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 higher scores can improve approval chances.
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 loan complexity and completeness of the application.
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