Citizens and Farmers Bank
SBA lender based in Virginia serving 2 states and 36 industries
Is Citizens and Farmers Bank the right SBA lender for your deal?
Citizens and Farmers Bank has funded 106 SBA loans across 2 states and 36 industries. Their average loan size is $131K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. Historical volume is not a quote. PeerSense does not speak for Citizens and Farmers Bank.
Citizens and Farmers Bank is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in house, which speeds underwriting and closing. Citizens and Farmers Bank has funded 106 SBA 7(a) loans across 2 states, averaging $131K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
- Main office
- 415 14th Street, West Point, VA 23181
- Domestic offices
- 32
- Established
- 1927
- FDIC certificate
- 10363
- Website
- www.cffc.com
Source: FDIC BankFind public database, checked October 1, 2026.
Top Lending States
Talk to PeerSense. The lender underwrites the file.
Talk to PeerSenseFOIA history for Citizens and Farmers Bank
FOIA history for Citizens and Farmers Bank: 106 SBA loans across 2 states, average size $131K. Highest volume NAICS in the tape: Limited-Service Restaurants. Highest volume state in the tape: Virginia. That is history, not a buy box and not a prediction they will fund your file. Talk to PeerSense.
Recent SBA Activity at Citizens and Farmers Bank
Franchise lending: Citizens and Farmers Bank has funded SBA loans for multiple franchise concepts, with the highest volume in BRUSTER'S, WILD BIRDS UNLIMITED, and MR. HANDYMAN. Lender franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re trade less.
Industry concentration: The lender's highest volume SBA industries are Limited-Service Restaurants, Printing & Related, and Clothing & Accessories. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Virginia. Lenders typically underwrite faster in states where they already have closing comps.
Compare Citizens and Farmers Bank to Similar SBA Lenders
Other SBA lenders headquartered in Virginia with similar deal size profiles. Borrowers should always compare 3 to 5 lenders before committing.
Looking for SBA Financing?
Talk to PeerSense. The lender underwrites the file. Size, industry, and location come from the public tape. PeerSense sources capital through a curated network of commercial lenders and capital sources.
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About Citizens and Farmers Bank SBA Lending
Citizens and Farmers Bank is an SBA lender headquartered in Virginia. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Citizens and Farmers Bank serves borrowers across 2 states and 36 industry sectors with a regional lending focus. To find out whether Citizens and Farmers Bank is a fit for your deal, Talk to PeerSense.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, Talk to PeerSense The desk sources capital from lenders with a record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5 to 3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60 to 7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00 to 14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel financing is search only for $10 million and up, with cash in about 35 percent.
Private Credit
7.80 to 18.00%Non bank flexibility for commercial real estate at $10 million and up.
DSCR Investor
SearchSearch path. Portfolio and multi property DSCR of $10 million and up.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.