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Citizens & Northern Bank

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Description

Citizens & Northern Bank offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, the bank provides a range of loan options including SBA 7(a) and 504 loans, designed to meet diverse business requirements. Their experienced team guides clients through the application process, ensuring clarity and efficiency from start to finish. Located in Wellsboro, Pennsylvania, they serve local entrepreneurs and small business owners, helping them access capital with flexible terms and competitive rates. Whether you’re looking to purchase equipment, real estate, or working capital, Citizens & Northern Bank is committed to supporting your business goals with tailored financial solutions and expert advice. Their commitment to community development and small business success makes them a trusted partner in the region.

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Q&A

Lender Type
Commercial Bank
Google Rating
3.5
Google Review Count
21
Question 1
What is this place and what can I find here?
Answer 1
This is a local bank offering SBA loan programs and financial services to small businesses. You can find assistance with business financing, community banking, and personalized support for your growth 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 9:00 AM to 5:00 PM, with additional hours by appointment.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for consulting or initial inquiries; standard loan fees and closing costs apply to financing products.
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 region, but they welcome inquiries from new clients seeking SBA financing.
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 for SBA loan qualification.
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 your application and documentation.
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