GRANT · HOW TO WIN THIS
Varies — loan amount based on application
Rolling — no set deadline, apply anytime
FUNDING TYPE
CDFI, Loan
CAN YOU GET THIS?
YOUR REAL ODDS
Odds depend on your creditworthiness and business financials, not a competitive selection process.
As a community bank and CDFI, Citizens tends to work with borrowers who may not qualify at larger institutions, but approval is still loan-based and requires demonstrating ability to repay.
WHAT IT TAKES
Open or prepare a business banking account with Citizens — 1-2 days
Submit a loan application through their website or in-branch — 1-2 hours
Work with a banker to complete underwriting review — Days to weeks depending on loan type
WORTH KNOWING
As a CDFI, Citizens Savings Bank and Trust may have more flexibility for underserved borrowers than conventional banks — their messaging specifically targets entrepreneurs and mentions 'out of the box' financing solutions.
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