Business Loans

United Citizens Bank understands the importance of small businesses to our local communities. Therefore, we are pleased to offer a wide array of loan products for both new and established business owners which include financing for real estate, equipment and operating lines of credit. In addition to our regular in-house loans, we also partner with the Small Business Administration to offer guaranteed loan products. But most importantly, we offer you the individual service you expect and deserve from a lender.

Small Business Administration Partnerships

SBA Guaranteed Loans


As an SBA approved lender, we can help you find a government-guaranteed SBA loan option that is right for you. Resources and programs targeted for small businesses produce an advantage- a leg up necessary to help small businesses effectively compete in the marketplace and strengthen the local economy. SBA guaranteed loans are available for starting and/or growing an existing business with loan amounts up to $2 million. Special emphasis programs are available for women, veterans, Native Americans and socially and economically disadvantaged citizens.

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SBA 504 Loan Program


The SBA 504 Program allows a small business owner to purchase a long-term fixed asset to be 51% greater occupied by the business with as little as 10% down. United Citizens Bank can lend 50%, and the SBA will lend 40% at a low fixed rate for up to 20 years. The maximum loan amount for SBA is $1.5 million. Therefore, you could be looking at a transaction as high as $3.75 million. The borrower enjoys long-term, fixed rate financing, and the interest rates are very competitive. Qualifying purchases include land, buildings, and even long-term purchases of machinery and equipment.

More Info @ SBA.gov
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