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Acclivity Financial, a subsidiary of Citizens Bank, is a nationwide small business lender that specializes in government guaranteed loans offered through the U.S. Small Business Administration (“SBA”) and U.S. Department of Agriculture (“USDA”). Acclivity Financial was created to support Citizens Bank’s commitment to serving small & rural businesses, both of which are vitally important to our national economy and possibly even more so to our local communities. Acclivity Financials primary focus is extending credit to these businesses, traditionally underserved by financial institutions, through Citizens Bank’s participation in the SBA 7(a) and USDA Business & Industry (“B&I”) loan programs. As an SBA Preferred Lender, Citizens Bank, through its dedicated small business lending team at Acclivity Financial, has become one of the top SBA lenders in the nation.


Acclivity Financial provides a streamlined and simple approach to small business loans. With an experienced team of seasoned underwriters and processors, we work closely with you to expedite the process while maintaining the highest level of customer service.


Our team has more than 500 years of combined experience when it comes to SBA lending, and we understand the unique needs of small businesses. We provide local service with a nationwide presence.