Power up your small business with a loan from Citizens Bank – the top commercial lender in Tennessee.

Our commercial lenders are experienced professionals who can help you select the best financing options for the unique needs of your business. Whether you’re looking to keep cash flowing, hire staff, build up inventory, purchase new equipment, invest in owner-occupied real estate, or something else, we can help support your goals with competitive rates and personalized service.


Our friendly experts are located throughout East Tennessee and are ready to help you get started:

Through Citizens Bank’s SBA and USDA lending division, Acclivity1, we have lending solutions for entrepreneurs like you.

Acclivity has become a leading small business lender in Tennessee and is recognized as a nationwide preferred lender with the U.S. Small Business Administration. Acclivity’s lenders have more than 150 years of combined experience and can connect you with the financing options, payment terms, and amortizations that make sense for you.

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. 

Acclivity logo SBA logo

Our small business focus allows us to truly understand your specific needs and serve as a trusted partner.

Loan options include:

  • Real Estate
  • Expansions
  • Working Capital
  • Equipment Purchases
  • Lines of Credit
  • Business Credit Cards
  • 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.
Our Visa® credit card options might be the perfect fit for your company or small business! Head here to fill out a credit application, then contact us online or at one of our branches to get started.






1Acclivity Financial, LLC  is a  subsidiary 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.


Click here for important information regarding the opening of new business accounts.