GRANT · HOW TO WIN THIS
Varies by loan type and business need.
Rolling — no set deadline, applications accepted on an ongoing basis.
FUNDING TYPE
CDFI, Loan
CAN YOU GET THIS?
YOUR REAL ODDS
No public data exists on approval rates, but as a community bank they emphasize local relationships over remote underwriting.
Being locally owned and community-focused means lending decisions are made by bankers you can meet in person, which can favor applicants with a local presence and established relationship with the bank.
WHAT IT TAKES
Review loan products on their website and identify which fits your need — 1-2 hours
Start an online loan application through their portal or contact a banker directly — 1-3 hours
Work with a local banker to complete underwriting — 1-4 weeks depending on loan type
WORTH KNOWING
Citizens Bank & Trust emphasizes face-to-face banking with local decision-makers, so reaching out directly to a banker before applying may improve your outcome.
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