Citizens Business Bank National Association
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Citizens Business Bank National Association · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 204 | $270.1M | $1.3M | 4.4% |
| 811111 | General Automotive Repair | 107 | $39.4M | $369K | 2.3% |
| 621210 | Offices of Dentists | 76 | $33.3M | $438K | 1.7% |
| 722511 | Full-Service Restaurants | 65 | $49.7M | $764K | 1.4% |
| 722513 | Limited-Service Restaurants | 54 | $22.0M | $408K | 1.2% |
| 541110 | Offices of Lawyers | 53 | $18.0M | $340K | 1.2% |
| 713940 | Fitness and Recreational Sports Centers | 49 | $17.5M | $357K | 1.1% |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 48 | $21.7M | $452K | 1.0% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 44 | $15.8M | $360K | 1.0% |
| 524210 | Insurance Agencies and Brokerages | 42 | $16.8M | $399K | 0.9% |
Geographic Distribution
SBA lending activity for Citizens Business Bank National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| California (CA) | 4,562 | $2.24B | 99.2% |
| Nevada (NV) | 19 | $14.8M | 0.4% |
| New Mexico (NM) | 2 | $2.6M | 0.0% |
| Arizona (AZ) | 7 | $2.5M | 0.2% |
| Florida (FL) | 1 | $1.8M | 0.0% |
| Georgia (GA) | 1 | $1.6M | 0.0% |
| Texas (TX) | 2 | $1.0M | 0.0% |
| Missouri (MO) | 1 | $800K | 0.0% |
| Utah (UT) | 1 | $281K | 0.0% |
| Colorado (CO) | 1 | $154K | 0.0% |
Why Choose Citizens Business Bank National Association?
Based on SBA 7(a) lending track record from 1991-2026
- ✓Proven Track Record: 4,597 SBA loans approved, totaling $2.27B in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, General Automotive Repair, Offices of Dentists
- ✓Competitive Terms: Average interest rate of 6.13% with flexible term lengths averaging 174 months
- ✓Loan Range: Loan sizes from $10K to $5.0M, with an average of $494K
- ✓Nationwide Reach: Active lending in 10 states, with strong presence in CA, NV, AZ
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Citizens Business Bank National Association SBA lending
What types of businesses does Citizens Business Bank National Association typically finance?
Citizens Business Bank National Association specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, general automotive repair, offices of dentists, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Citizens Business Bank National Association's typical SBA loan terms?
Citizens Business Bank National Association's SBA 7(a) loans typically feature an average interest rate of 6.13% and average term length of 174 months (approximately 15 years). Loan sizes range from $10K to $5.0M, with an average loan size of $494K.
Do I need a business valuation for a Citizens Business Bank National Association SBA loan?
Yes, Citizens Business Bank National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Citizens Business Bank National Association compare to other SBA lenders?
Citizens Business Bank National Association has originated 4,597 SBA loans totaling $2.27B since 1991. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Citizens Business Bank National Association lend in?
Citizens Business Bank National Association provides SBA 7(a) financing with particularly strong presence in CA, NV, AZ, NM, TX. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
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