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Citizens Bank, National Association (RI)

Citizens offers personal and business banking, student loans, home equity products, credit cards, online banking, mobile banking, and more. We offer approximately 3,300 ATMs and 1,200 branches. You're made ready and so are we.

Change of Ownership
Existing or more than 2 years old
Fixed Rates
Loan Funds will Open Business
New Business or 2 years or less
# Preferred Lenders Program
# SBA Express Program
# Startup
# Variable Rates
SBA Loan Approval Count : 94
SBA Loans Total Approval Amount YTD: $52,593,500
Average SBA Loan Size: $559,505
Average SBA Loan Rate over Prime (this number plus current prime rate): 2.73
Citizens Bank, National Association (RI)

Unlock Your Financial Potential with Citizens Bank, National Association (RI)

Citizens Bank, N.A., headquartered in Providence, Rhode Island, is one of the largest and most trusted banks in the United States. With a strong commitment to supporting small businesses and local economies, Citizens offers a robust suite of business banking services and SBA-backed loan programs that help entrepreneurs access affordable capital to start, expand, or modernize their operations.

Key Features of Citizens Bank, National Association

  • Comprehensive Business Banking: Business checking and savings accounts, cash management tools, merchant services, and commercial lending designed for businesses of all sizes.
  • SBA Loan Expertise: Citizens Bank is an experienced SBA lender offering SBA 7(a), SBA Express, and 504 loans. Its dedicated SBA lending division helps small business owners access government-backed financing for working capital, real estate, and equipment purchases.
  • Flexible Financing Options: In addition to SBA programs, Citizens offers term loans, lines of credit, commercial real estate loans, and equipment financing — all backed by local decision-making and personalized service.
  • Advanced Digital Banking Tools: Citizens’ powerful online and mobile platforms make it easy for businesses to manage accounts, transfer funds, and monitor cash flow anytime, anywhere.
  • Commitment to Community Growth: As one of Rhode Island’s leading financial institutions, Citizens invests in small business development, entrepreneurship initiatives, and economic inclusion programs throughout New England and beyond.

Why Choose Citizens Bank for SBA Loans?

Citizens Bank, N.A. combines national scale with local expertise to deliver customized SBA financing that empowers small business success. Its SBA lending specialists provide step-by-step guidance — from application to funding — ensuring an efficient process, competitive rates, and flexible loan structures tailored to each borrower’s goals. Whether you’re purchasing equipment, expanding facilities, or refinancing existing debt, Citizens offers the expertise and resources to make it happen.

How to Get Started

Ready to grow your business with an SBA loan or other financing solution? Visit the Citizens Bank Small Business page to explore loan options, review eligibility, and connect with a Citizens SBA lending expert.

Empower your financial future today with Citizens Bank, National Association — where Rhode Island businesses and entrepreneurs nationwide come to grow.

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