Our commercial lenders are experienced professionals who can help you select the best financing options for the unique needs of your business.

Through its Small Business Administration (SBA) and U.S. Department of Agriculture Rural Development (USDA) lending divisions, Acclivity Financial, LLC (Acclivity1) and Small Business Resources, Inc. (SBR1), Citizens Bank has become a leading SBA lender in Tennessee and one of the top SBA lenders in the nation. The bank is recognized as a nationwide preferred lender with the U.S. Small Business Administration. The lenders in Acclivity and SBR have more than 150 years of combined experience when it comes to SBA lending and they understand the unique needs of small businesses.

Acclivity and SBR focus exclusively on lending solutions for small business like yours. In short, our lenders focus on connecting small businesses and entrepreneurs with financing options, payment terms and amortizations that make sense for them. Our small business focus allows us to dedicate the time to truly understand your business serve as your lending partner.

Loan options include:

Small Loan Advantage Program

Working Capital

Inventory Loans

Business Expansion or Acquisition

Owner Occupied Real Estate

Equipment Loans

USDA Rural Area Loans

Businesses qualifying under certain SBA requirements are eligible for 7a and 504 loan programs. 

Loan amounts start at $100,000 and up with terms of up to 25 years through the SBA program and up to 30 years through the USDA Business and Industry (B&I) program.

For loan inquiries in East Tennessee, contact your local Citizens banker, complete the Contact Us form on this site, or call (423) 543-2265 and ask about SBA loans. For national loan inquiries, visit www.acclivityfinancial.com or call (910) 584-4894. 


  • Real Estate
  • Expansions
  • Working Capital
  • Equipment Purchases
  • Lines of Credit
  • Business Credit Cards
1Acclivity Financial, LLC and Small Business Resources, Inc. are subsidiaries of Citizens Bank, Elizabethton TN. Loans are made by Citizens Bank. Citizens Bank is an approved nationwide Preferred Lender with the Small Business Administration (SBA). Loans are subject to credit review and approval.