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Business coworkers

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At Celtic Bank, we see every new borrower or lending relationship as a partnership. 

Your Commercial Financing Partner

We have financed businesses in hundreds of industries nationwide. You can trust that we understand your business and will make the loan application process as simple and frictionless as possible.

Experience You Can Trust

We look for a reason to say ‘yes’ to your business loan application. If you need funding to buy a business, start construction, purchase real estate, refinance debt or get working capital—we have a loan solution to match, at attractive terms.

High Approval Rates

After completing your application, our experienced staff will be there through each step of the loan process. From underwriting to loan disbursement, you’ll always know where your application stands and get timely answers to your questions.

Personalized Process

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Homepage - Loan Solutions

SBA 7(a) Loans

$350K - $5M | Up to 25 years

Stay competitive with low rates and longer repayment terms. Business financing to accelerate your business.

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Mature designer looking at laptop

Celtic Express Loans

$25K - $150K | Up to 10 years

Stock inventory, hire staff, invest in marketing, or solve off-season cash flow issues—fast with this working capital SBA loan.

Celtic Express 
Loans

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Doing business with his brain

Celtic Advantage Loans

$150K - $350K | Up to 25 years

Need financing beyond working capital&#8211;quick? Refinance debt, buy an existing business, purchase commercial real estate or purchase equipment at the speed of our SBA 7(a) Express loan.

Celtic Advantage 
Loans

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There's a lot to smile about when

SBA 504 Loans

$350K - $5 M | Up to 25 years

Purchase a long-term asset like commercial buildings, land or equipment at low rates.

USDA B&I

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USDA B&I Loans

$500K - $10M | Up to 30 years

Take on larger projects at better terms, with a USDA rural development loan. Build your business, strengthen your community and grow your local economy with a USDA B&amp;I loan.

USDA B&I 
Loans

Equipment Leasing  & Financing

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Equipment Financing

$100K - $3M | Up to 7 years

Get the revenue generating equipment you need to say ‘yes’ to more projects and to scale your business.

SBA Construction

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Our in-house commercial construction finance team will help you get the financing you need to keep your project deadline, without going over budget.

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Manual Worker

$350K - $10M | Up to 15 years

Our in-house renewable energy department makes getting the financing to fund projects easy and hassle-free.

Asset-Based Loans

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$350K - $5M | Up to 10 years

Free up cash flow to invest in your immediate business needs by reducing the cash flow burden of your accounts receivable, with affordable asset-based financing.

Supply Chain Financing

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He has the warehouse running smoothly

$50K - $1M | Up to 10 years

Buy the materials you need to fill orders and still have the cash flow to cover operating costs by extending payment up to 120 days with supply chain financing.

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$50K - $350k | Up to 10 years

Stock inventory, hire staff, invest in marketing, or solve off-season cash flow issues—fast, with low rates and longer repayment terms.

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Business Acquisition Loans

Buy an existing business, open a new franchise or advance from manager to owner with affordable business acquisition financing.

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Modern Commercial Avenue

With as little as 10% down, we help make buying land and real estate accessible to small business owners.

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Blazing through his paperwork

Conventional Financing

Have a project over $5M? Don’t sweat it. We can pair conventional commercial financing with other loan options to extend the amount of financing we can offer.

Whatever Your Business Needs, We Have a Loan to Match. 

Need financing to buy a business, refinance debt, buy out a partner, purchase commercial real estate or finance ground-up construction? No problem. We have a loan option for you. 

Loan Solutions

Don’t Just Take Our Word For It

Kodiak Air

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“If it weren’t for Celtic Bank, I would still be working for other people.”

Read Will’s Experience

Urgently Ortho

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"The whole Celtic team worked hard to make sure that the loan went through while also making sure to mitigate risk in a prudent way so we can sustain our business. I appreciate that balance that Celtic strikes and I think it was done well."

Read Liu-Chan’s 
Experience

Waves Hotel

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“I am grateful to Celtic Bank for taking a risk on entrepreneurs. I wouldn’t have been able to do this without them."

Read Zahed’s 
Experience

Elite Express

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Automatic car wash

“Thanks for taking the fear of getting an SBA loan out of it for us... you and your team were awesome in assisting us through this process!”

Read Kevin’s 
Experience

Chanate, Valley View & Five Palms

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My retirement plan paid off

“On behalf of my family, thank you sooo much for your patience, support, understanding, and never giving up on us!”

Read Josephine’s 
Experience

Testimonials

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Homepage - Blog 1

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Celtic Bank is a leader in SBA Loans and commercial financing. Get your business the help it needs to be successful by applying for a loan through Celtic Bank.