Small Business Resources

We're stronger together

During these trying times, we’re all concerned and doing everything we can to look after the health and safety of our customers, staff and directors, and their families. Many of you have had business operations and cash flow disrupted.

At Citizens Bank & Trust, we want to do everything we can to assist you in getting back to “business as usual” as quickly as possible. Below is a grouping of small business resources and programs from the Local, State, and National levels that is currently in place and available.

Small Business Lending Resources

Economic Injury Disaster Loan Application

Click below to learn more about the “EIDL” Application

Coronavirus Emergency Loans Small Business Guide & Checklist

Learn more regarding emergency loan eligibility for small businesses, what lenders and are looking for, and loan limitations and forgiveness.

U.S. Small
Business Administration

Federal Disaster Loans for Businesses, Private Nonprofits, Homeowners, and Renters.

Florida Small Business
Emergency Bridge Loan

For small business owners in Florida that experienced economic damage due to COVID-19.

Local Resources

Florida Chamber

Central Florida Dev. Council 

Winter Haven Chamber

Lakeland Chamber

Nationwide Resources

America's SBDC

Locate local Small Business Development Centers (SBDC) affiliates for resources and assistance on business needs, consulting, and information.


The nation's largest network of volunteer, expert business mentors, with more than 10,000 volunteers nationwide. Offering business resources including remote mentoring, LIVE webinars, and online workshops.

U.S. Department of Labor

Information on preparing the workplace.

U.S. Small Business Administration

Small Business Guidance & Loan Resources, Guidance for Businesses and Employers.

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.