Application Process Information

At Citizens Bank and Trust, we understand the loan application process can be intimidating. Our friendly loan officers make the process as smooth as possible and are here to lend a hand.

All of our residential loan decisions are made locally, and we will let you know within 24 hours. Down payments are not always needed and varying credit scores are accepted. An appraisal may not be necessary and we do accept application by fax. Please contact your nearest Citizens Bank and Trust location to find out more.

To assist you in preparing for your business loan application, below you will find a list of documents that will be requested:

• 3 years Business Tax Returns (with all schedules)
• 3 years Business Financial Statements (Profit & Loss, Balance Sheet)
• 3 years Personal Tax Returns (with all schedules)
• Updated Personal Financial Statement (less than 6 months old)
• Corporate Documents (i.e. Articles of Incorporation, Partnership Agreement)

The following documentation may be needed depending on the type of financing requested:

• Purchase Agreement
• Rent Rolls
• List of Inventory
• List of Receivables with Aging (i.e. 30 days, 60 days, 90 days)
• Schedule of Debt

Again, our goal is to make the loan application process as convenient and as easy as possible. Our loan officers are here to serve you and your loan needs. Contact one of our conveniently located banking centers today for more information.