Citizens & Northern Bank
SBA lender based in Pennsylvania serving 6 states and 64 industries
Is Citizens & Northern Bank the right SBA lender for your deal?
Citizens & Northern Bank has funded 576 SBA loans across 6 states and 64 industries. Their average loan size is $331K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against Citizens & Northern Bank and 897+ alternatives based on closing probability + pricing.
Citizens & Northern 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 & Northern Bank has funded 576 SBA 7(a) loans across 6 states, averaging $331K 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.
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Book a CallWhy borrowers choose Citizens & Northern Bank
Citizens & Northern Bank is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $331K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Pennsylvania. With 576 SBA loans funded across 6 states, they operate as a regional specialist anchored in Pennsylvania. Their portfolio default rate is 7.5% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against Citizens & Northern Bank and 897+ alternatives.
Recent SBA Activity at Citizens & Northern Bank
Franchise lending: Citizens & Northern Bank has funded SBA loans for multiple franchise concepts, with the highest volume in SERVPRO, BURGER KING, and SALADWORKS. 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, Administrative Support, and Personal Care Services. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Pennsylvania, and New Jersey. Lenders typically underwrite faster in states where they already have closing comps.
Compare Citizens & Northern Bank to Similar SBA Lenders
Other SBA lenders headquartered in Pennsylvania with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
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About Citizens & Northern Bank SBA Lending
Citizens & Northern Bank is an SBA lender headquartered in Pennsylvania. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Citizens & Northern Bank serves borrowers across 6 states and 64 industry sectors with a regional lending focus. To find out whether Citizens & Northern Bank is a good fit for your specific deal, reach out to PeerSense for a free lender match.
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, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 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 does not lend and does not set pricing. What these terms mean.