United Citizens Bank & Trust
  • Bank
    • Checking
    • Savings
    • CDs - IRAs
  • Borrow
    • Agriculture Loans
    • Business Loans
    • Construction Loans
    • Home Loans
    • Home Equity Loans
    • Personal Loans
  • Services
    • ATM
    • UCB Mobile Banking
    • Mobile Check Deposit
    • Debit Card
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  • Resources
    • Report A Lost or Stolen Debit Card
    • Alerts
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    • Security Awareness Newsletter
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    • Media Releases
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  • Locations
    • Pendleton
    • Eminence
    • Carrollton
    • Campbellsburg
    • New Castle
    • Buckner
  • About
    • Contact
    • History
    • Meet the Board
    • Privacy Policy
  • Bank
    • Checking
    • Savings
    • CDs - IRAs
  • Borrow
    • Agriculture Loans
    • Business Loans
    • Construction Loans
    • Home Loans
    • Home Equity Loans
    • Personal Loans
  • Services
    • ATM
    • UCB Mobile Banking
    • Mobile Check Deposit
    • Debit Card
    • Anytime Banker
    • ACH
    • Cashier Checks
    • Safe Deposit Box
    • Order Checks
  • Resources
    • Report A Lost or Stolen Debit Card
    • Alerts
    • Financial Tools
    • Small Business Resources
    • Security Awareness Newsletter
    • Money Management
    • Media Releases
    • Frequently Asked Questions
    • Wiring Instructions
  • Locations
    • Pendleton
    • Eminence
    • Carrollton
    • Campbellsburg
    • New Castle
    • Buckner
  • About
    • Contact
    • History
    • Meet the Board
    • Privacy Policy

Business Loans

United Citizens Bank understands the importance of small businesses to our local communities. Therefore, we are pleased to offer a wide array of loan products for both new and established business owners which include financing for real estate, equipment and operating lines of credit. In addition to our regular in-house loans, we also partner with the Small Business Administration to offer guaranteed loan products. But most importantly, we offer you the individual service you expect and deserve from a lender. 
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Equipment

Having the right equipment is essential to ensure your success. Whether you want new or used, big or small, we do it all. Let us finance the equipment that keeps your business running. 
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Commercial Real Estate

Find financing for the right structure that meets your needs. We offer both variable and fixed rate permanent financing for lots, land, commercial buildings, and commercial residential properties. 
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Commercial Construction

Build the perfect structure to suit your business needs. We offer caps on origination fees, as well as low, fixed interest rates. W'll get you up and running with quick draw request turn-around.
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Operating Lines of Credit

Supplement your business cash flow with an operating line of credit. Let us fund your short-term cash flow needs, including supplies purchasing, payroll, or seasonal shortfalls. 
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Rental Properties

Diversify your business income by investing in rental real estate. Let us help you every step of the way. We finance single and multi-family housing units.

Small Business Administration Partnerships

SBA Guaranteed Loans


As an SBA approved lender, we can help you find a government-guaranteed SBA loan option that is right for you. Resources and programs targeted for small businesses produce an advantage- a leg up necessary to help small businesses effectively compete in the marketplace and strengthen the local economy. SBA guaranteed loans are available for starting and/or growing an existing business with loan amounts up to $2 million. Special emphasis programs are available for women, veterans, Native Americans and socially and economically disadvantaged citizens.
More @ sba.gov
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SBA 504 Loan Program

The SBA 504 Program allows a small business owner to purchase a long-term fixed asset to be 51% greater occupied by the business with as little as 10% down. United Citizens Bank can lend 50%, and the SBA will lend 40% at a low fixed rate for up to 20 years. The maximum loan amount for SBA is $1.5 million. Therefore, you could be looking at a transaction as high as $3.75 million. The borrower enjoys long-term, fixed rate financing, and the interest rates are very competitive. Qualifying purchases include land, buildings, and even long-term purchases of machinery and equipment.
More @ sba.gov
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Thinking of starting a business?

You may be wondering, "where on Earth do I even start?" We know it can be overwhelming, so here are a few basic steps to get started: 

  1. Market research
  2. Write your business plan
  3. Find funding
  4. Find a location
  5. Choose a name
  6. Choose your business structure: LLC, Corporation, Partnership, or Sole proprietorship. Then file for your EIN/TIN with the Secretary of State. 
  7. Apply for any necessary permits or licenses
  8. Open your business bank account(s)

Other business resources:

KY Sec of State
US SBA
Business Planning
Member F D I C Logo
Member of Consumer Financial Protection Bureau Logo
Kentucky Department of Agriculture Logo
​Livestock & Grain Markets
Nasdaq Logo
Stock Quotes & Business News
U S Small Business Administration Logo
Equal Housing Lender Logo
© 2021 United Citizens Bank & Trust Company
NMLSR#688969
8198 Main Street / PO Box 250
Campbellsburg, KY  40011
(800) 223-2850 - Toll Free
(502) 532-7392 - Main
​(502) 532-6607 - Fax
United Citizens Bank & Trust Logo
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United Citizens Bank & Trust Company is a locally owned community bank serving our communities. We offer & deliver quality financial services to all customers at competitive rates. We are committed to active community involvement. We strive to maintain financial soundness & stability while providing shareholders a reasonable return on their investment.
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Comments or questions about this website please contact us during business hours.
​Last Modified Feb 7, 2020

  • Bank
    • Checking
    • Savings
    • CDs - IRAs
  • Borrow
    • Agriculture Loans
    • Business Loans
    • Construction Loans
    • Home Loans
    • Home Equity Loans
    • Personal Loans
  • Services
    • ATM
    • UCB Mobile Banking
    • Mobile Check Deposit
    • Debit Card
    • Anytime Banker
    • ACH
    • Cashier Checks
    • Safe Deposit Box
    • Order Checks
  • Resources
    • Report A Lost or Stolen Debit Card
    • Alerts
    • Financial Tools
    • Small Business Resources
    • Security Awareness Newsletter
    • Money Management
    • Media Releases
    • Frequently Asked Questions
    • Wiring Instructions
  • Locations
    • Pendleton
    • Eminence
    • Carrollton
    • Campbellsburg
    • New Castle
    • Buckner
  • About
    • Contact
    • History
    • Meet the Board
    • Privacy Policy