Small Business Loans That Make a Big Difference
Powered by the SBA. Backed by Citizens National Bank.
Small Business Administation (SBA) Loans
At Citizens National Bank, we understand that every small business starts with a big idea—and sometimes, just a little extra support. That’s where SBA loans come in.
Through our SBA lending programs, we help local entrepreneurs access capital with flexible terms and government-backed support. Whether you’re launching a startup or expanding your business, we’re here to guide you every step of the way.

Meet Walter W. Dyminski
With nearly 30 years of experience in commercial banking and SBA lending, Walter Dyminski is known for helping businesses navigate the complexities of SBA financing with ease. He has structured and managed over $100 million in SBA loans, and his expertise spans SBA 7(a), 504, and USDA B&I programs.
Walter’s deep ties to small business development centers and economic organizations across the Southeast give him the edge to structure strategic, sustainable loan packages that work for you.
What Is an SBA Loan?
An SBA loan is a government-guaranteed loan that helps small businesses access the funding they need, often with:
Lower Down Payments
Longer Repayment Terms
Flexible Qualification Standards
Types of SBA Loans
7(a) Loan Program
- Flexible loan options for small businesses to finance working capital, equipment purchases, and real estate.
- Loan amounts up to $5 million, with longer repayment terms than conventional loans.
- Offers lower down payment requirements and favorable interest rates to support business growth.
504 Loan Program
- Designed to finance fixed assets such as real estate and equipment.
- Provides long-term, fixed-rate financing with up to 90% financing available.
- Benefits include lower down payments and protection against fluctuating interest rates.
USDA B&I Loan Program
- Supports rural businesses and community development projects.
- Offers loan guarantees for working capital, equipment, real estate, and refinancing.
- Designed to improve economic conditions in rural areas by providing access to affordable capital.
Why Choose Citizens National Bank?
As a certified Community Development Financial Institution (CDFI), Citizens National Bank is uniquely positioned to support small businesses and underserved communities. Our focus on personalized service, local decision-making, and strategic financial tools means you’ll always have a team in your corner.
- Local expertise
- Customized lending solutions
- Community-first mindset
- Celebrating over 137 years of service in Mississippi
Ready to Talk?
Let’s make your business goals a reality. Fill out the short form below to have Walter contact you, or stop by your nearest Citizens National Bank location.