About

Acclivity Financial is a subsidiary of Citizens Bank, a Nationwide SBA Preferred Lender, that specializes in government guaranteed business loans, including 7(a) & USDA. Through its Small Business Administration (SBA) and U.S. Department of Agriculture Rural Development (USDA) lending divisions, Acclivity Financial, LLC and parent company, Citizens Bank have become one of the top SBA lenders in the nation. The team at Acclivity Financial has more than 500 years of combined experience when it comes to SBA lending and they understand the unique needs of small businesses.
•     Loan Options: $300,000- $5,000,000 * please note the USDA B&I program would permit loans upwards of $10,000,000
o     Project Types:
     Owner-Occupied Real Estate & Construction
     Acquisition
     Expansion
     Working Capital, Inventory, Equipment
     Refinance
o     Industry expertise (do we want to elaborate on each of these industries?):
•     Hospitality
•     Medical & Dental Office
•     Convenience Store & Gas Station
•     Franchise
•     Professional Practice
•     Other: specifically Self Storage, Child Care Center, Assisted Living Facility, Distribution/Manufacturing, Car Wash
Services offered:
-Financing for:
•     Select construction projects
•     Purchase of commercial real estate
•     Business acquisitions
•     Working capital
•     Refinance/Store upgrades
•     Partner buyouts
•     Payoff Seller Notes
•     Loan amounts ranging from $250,000-$5,000,000
•     USDA B&I loan amounts up to $10,000,000
•     Up to 25-year term and amortization
•     Up to 100% financing
Services offered:
-Financing for:
•     Select construction projects
•     Purchase of commercial real estate
•     Business acquisitions
•     Working capital
•     Refinance/Store upgrades
•     Partner buyouts
•     Payoff Seller Notes
•     Loan amounts ranging from $250,000-$5,000,000
•     USDA B&I loan amounts up to $10,000,000
•     Up to 25-year term and amortization
•     Up to 100% financing

o     USDA B&I Program- for rural businesses of America
•     Business & Industry Program Benefits:
1.     Up to $10 Million
2.     Up to 30-year term for Real Estate (Although typically 25 years)
3.     Equipment (Up to 15-year term)
4.     Permanent Working Capital (Up to 7-year term)
5.     Business Expansion or Acquisition
6.     Refinancing of Existing Debt (Existing debt must be in place for 1 year and be current, can be existing SBA debt)
7.     Non-Owner or Owner-Occupied commercial/industrial Real Estate
8.     Variable or Fixed Interest Rate