The Citizens Bank of Weston

This is a local bank that provides SBA loan services and financial support for small businesses in the West Virginia region, helping entrepreneurs access capital for growth and development.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with special hours available by appointment.

There are no fees to visit the bank; however, loan application and processing fees may apply depending on the services used.

This bank primarily serves residents and small business owners within the West Virginia region, but non-residents may also qualify with proper documentation.

A minimum personal credit score of 640 is generally required, though higher scores improve approval chances.

The underwriting process typically takes 30 to 45 days, depending on the completeness of the application and supporting documents.

Most banks keep weekday business hours and are closed on weekends, and The Citizens Bank of Weston typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call The Citizens Bank of Weston to confirm current weekend availability before you go.

The Citizens Bank of Weston is located in West Virginia — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for The Citizens Bank of Weston, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by The Citizens Bank of Weston itself, which runs its own lending under its own ownership. If you work at The Citizens Bank of Weston, you can claim this listing from this page to manage it.

The core details for The Citizens Bank of Weston — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with The Citizens Bank of Weston before applying. If you represent The Citizens Bank of Weston, claim this listing to keep its information up to date.

You can reach The Citizens Bank of Weston by phone at (304) 269-2862 or online at citizensbankweston.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with The Citizens Bank of Weston before relying on them.

Like most SBA lenders, The Citizens Bank of Weston can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask The Citizens Bank of Weston directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether The Citizens Bank of Weston participates in SBA Express depends on its specific SBA lending authority. Contact The Citizens Bank of Weston and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. The Citizens Bank of Weston can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. The Citizens Bank of Weston's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Citizens Bank of Weston directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask The Citizens Bank of Weston what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask The Citizens Bank of Weston to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with The Citizens Bank of Weston to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. The Citizens Bank of Weston weighs this case by case under its own policy, so be upfront about your history and ask The Citizens Bank of Weston how it evaluates prior bankruptcies.