Citizens National Bank of Texas

This is a community-focused bank offering SBA loan programs and business financing solutions. You can find assistance with small business loans, guidance through the application process, and personalized financial services tailored to your needs.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help streamline your visit and prepare necessary documentation.

The bank operates Monday through Friday from 8:30 AM to 5:00 PM. Special hours may apply for holidays, so it's best to contact the branch directly for confirmation.

There are no fees for simply visiting or consulting with staff. However, loan processing and application fees may apply depending on the financing options selected.

This bank primarily serves residents and businesses within the Texas region, but they welcome inquiries from anyone interested in their SBA loan programs and financial services.

A minimum personal credit score of 650 is generally preferred, but the final decision depends on the overall strength of the application and business financials.

The underwriting process typically takes between 30 to 45 days, depending on the completeness of the application and the complexity of the loan request.

Most banks keep weekday business hours and are closed on weekends, and Citizens National Bank of Texas 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 Citizens National Bank of Texas to confirm current weekend availability before you go.

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

The core details for Citizens National Bank of Texas — 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 Citizens National Bank of Texas before applying. If you represent Citizens National Bank of Texas, claim this listing to keep its information up to date.

Citizens National Bank of Texas can be reached at (972) 938-4300, toll-free at 1-877-938-4300, or through their contact form at cnboftexas.com/contact-us. Confirm with the bank directly for SBA lending inquiry routing.

Based on its approved SBA loans, Citizens National Bank of Texas most often finances businesses in restaurants & food service, gas stations & convenience, and manufacturing. This reflects Citizens National Bank of Texas's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Citizens National Bank of Texas which sectors 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 Citizens National Bank of Texas participates in SBA Express depends on its specific SBA lending authority. Contact Citizens National Bank of Texas 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. Citizens National Bank of Texas 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. Citizens National Bank of Texas's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Citizens National Bank of Texas 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 Citizens National Bank of Texas 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 Citizens National Bank of Texas 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 Citizens National Bank of Texas 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. Citizens National Bank of Texas weighs this case by case under its own policy, so be upfront about your history and ask Citizens National Bank of Texas how it evaluates prior bankruptcies.