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Small Business Lending

Founded in 2001 and headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank specializes in small business finance, helping business owners with working capital, expansion, acquisition, construction, equipment financing, renewable energy finance, real estate purchase and refinance, and more. Celtic Bank has ranked as one of the top ten SBA lenders nationally since 2013. With have a proven track record in a range of industries, including Renewable Energy Finance, Healthcare, Gas Station / C-Store, Car Wash, Hotel and others. We approach every business loan application with a creative and problem-solving mindset, and aim to structure tailored financing solutions that help our clients meet their growth objectives.

SBA 504 Loans

Purpose: R/E purchase/construction, purchase long-term machinery or equipment 
Loan Amounts: Up to $10,000,000 
Collateral: Commercial R/E, equipment, machinery 
Term: Varies, up to 25 years 
Rate: Fixed or variable rate 
Eligibility: Owner-operated and for-profit 
No c-stores, gas stations, or hospitality 
LTV: Varies, up to 90%

SBA 7(A) Loans

Take advantage of our many loan opportunities to and expand your small business. We're here to meet and exceed your expectations so you can do the same for your clients.

Purpose: Working capital, refinance, business acquisition, R/E purchase/construction, purchase equipment or inventory
Loan Amounts: $350,001 to $5,000,000
Collateral: Commercial R/E, inventory, FF&E (furniture, fixtures, and equipment)
Term: Varies, up to 25 years
Rate: Fixed or variable rate
Eligibility: Owner-operated and for-profit
LTV: Varies, up to 90%

Mobirise

Celtic Advantage Loans

Take advantage of our many loan opportunities to and expand your small business. We're here to meet and exceed your expectations so you can do the same for your clients.

Purpose: Working capital, refinance, business acquisition, R/E purchase, purchase equipment or inventory
Loan Amounts: $150,001 to $350,000
Collateral: Commercial R/E, inventory, FF&E (furniture, fixtures, and equipment)
Term: Varies, up to 25 years
Rate: Variable rate
Eligibility: Owner-operated and for-profit
No construction/tenant improvements
Must have location identified
LTV: Varies

Celtic Express Term Loans

When your business needs working capital to grow, Celtic Express is the answer for loans from $20,000 to $150,000. The bottom line is, Celtic Bank Express brings big ideas to small business. 

Purpose: Working capital, purchase equipment 
Loan Amounts: $20,000 to $150,000 
Collateral: Best available lien on business assets 
Term: Up to 10 years 
Rate: Variable rate 
Eligibility: Owner-operated and for-profit 
No construction/tenant improvements 
Must have location identified 
LTV: Not applicable 

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