The Citizens National Bank of Meridian

This is a local bank offering SBA loan programs and small business financing solutions to entrepreneurs and business owners in the Meridian area.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins are welcome during business hours.

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

There are standard fees associated with SBA loans, including application and closing costs, but no additional charges for accessing services.

This bank primarily serves small business owners and entrepreneurs within the Meridian region, but eligibility depends on meeting loan criteria.

A minimum personal credit score of 650 is generally preferred, though other factors are also considered.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of application and documentation.

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

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

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

You can reach The Citizens National Bank of Meridian by phone at (601) 693-1331 or online at yourcnb.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 National Bank of Meridian before relying on them.

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