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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.

Walter Dyminski

Meet Walter W. Dyminski

Senior Vice President & SBA Manager
601.938.7722
Walter.Dyminski@yourcnb.com

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) and 504 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.

Helping small businesses thrive isn’t just my job—it’s my mission. I believe in empowering entrepreneurs to build something lasting.

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

Keep more cash in your pocket — SBA loans require smaller down payments, so you can invest more where it matters most.

Longer Repayment Terms

Spread out your payments over time and ease the pressure on your budget with the SBA’s longer repayment options.

Flexible Qualification Standards

Big dreams? No problem — SBA loans offer flexible qualification standards that open the door to more business owners like you.

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.

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.








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