Celtic Bank Corporation is our #4 ranked SBA lender based on SBA loan volume from last year.

Celtic Bank Reviews

Overall Rating
Rated 5 out of 5
Interest Rate
Rated 4 out of 5
Rated 5 out of 5
Rated 5 out of 5
SBA Loan Review

Celtic Bank has grown its SBA loan business 100% over the past five years due to its focus exclusively on SBA loans, its nationwide reach, and its quick turnaround time for processing loans.


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Celtic Bank makes loans from $150,000 up to $5 million through Celtic Bank’s SBA loan program to be used for working capital, refinance, business acquisition, real estate purchase/construction purchase of equipment, and/or inventory. Terms are typically 10 years or 25 years if a real estate loan. Celtic Bank Corporation will lend up to 90% (aka “loan-to-value”) depending on a variety of factors. Credits scores of 680 or higher for all 20% of greater owners of the business are generally required. Unlike many SBA lenders, Celtic Bank does offer fixed rate in addition to standard variable rate SBA loans.

For the past few years, Celtic’s small business loans have been priced similar to other national lenders:

States where Celtic has done small business loans in the past year:

Impressively, Celtic has continued to grow its SBA loan division the past five years even during the pandemic:

Is Celtic Bank a real bank?

Yes, Celtic is a real bank. In fact, Celtic is consistently one of the top five SBA lenders in America. The reason Celtic isn’t a household name compared to other banks is Celtic focuses exclusively on SBA loans. SBA loans, while ideal for some borrowers, is still only a small part of the overall loan market.


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Posted in Top 25+ SBA Lenders

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