City National Bank of Florida

This is a financial institution offering SBA loan programs and banking services designed to help small businesses secure funding for growth and operational needs.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

City National Bank of Florida operates Monday through Friday from 8:00 AM to 8:00 PM and Saturdays from 8:00 AM to 2:00 PM, excluding federal holidays. Please confirm current hours with the bank.

There are no fees for accessing basic banking services; fees may apply for specific loan processing or advisory services.

This bank primarily serves residents and businesses within Florida, but non-residents with qualifying applications may also be considered.

A minimum personal credit score of 680 is generally preferred, though stronger credit profiles improve approval chances.

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

City National Bank of Florida is open on Saturdays from 8:00 AM to 2:00 PM, excluding federal holidays. Please confirm weekend availability with the bank.

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

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

You can reach City National Bank of Florida by phone at (305) 577-7300 or online at citynational.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 City National Bank of Florida before relying on them.

Based on its approved SBA loans, City National Bank of Florida most often finances businesses in wholesale & distribution, construction & contractors, medical practices & clinics, general retail, manufacturing, and restaurants & food service. This reflects City National Bank of Florida'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 City National Bank of Florida 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 City National Bank of Florida participates in SBA Express depends on its specific SBA lending authority. Contact City National Bank of Florida 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. City National Bank of Florida 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. City National Bank of Florida's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask City National Bank of Florida 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 City National Bank of Florida 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 City National Bank of Florida 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 City National Bank of Florida 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. City National Bank of Florida weighs this case by case under its own policy, so be upfront about your history and ask City National Bank of Florida how it evaluates prior bankruptcies.