Citibank, N.A.: SBA Lending Profile
Citibank, N.A. is an FDIC-insured bank, headquartered in Sioux Falls, SD. It is active in 11 states, concentrated around NY, CA, FL. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Citibank, N.A. actually approves
The median SBA approval at Citibank, N.A. is $90,000. The middle 80% of its loans fall between $20,000 and $1,863,200. The smallest approval on record since 2020 is $6,400 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 68 | $90K | 8% | 7 years |
| 504 first mortgage (third party) | 1 | $789K | n/a | 20 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Residential Remodelers | 35 | 13.8% |
| Plumbing, Heating, and Air-Conditioning Contractors | 18 | 7.1% |
| Electrical Contractors and Other Wiring Installation Contractors | 14 | 5.5% |
| All Other Specialty Trade Contractors | 9 | 3.6% |
| Full-Service Restaurants | 7 | 2.8% |
| Finish Carpentry Contractors | 6 | 2.4% |
| Other Grocery and Related Products Merchant Wholesalers | 6 | 2.4% |
| General Freight Trucking, Long-Distance, Truckload | 6 | 2.4% |
| Offices of Lawyers | 6 | 2.4% |
| Transportation Equipment and Supplies (except Motor Vehicle) Merchant Wholesalers | 5 | 2% |
| General Freight Trucking, Local | 5 | 2% |
| Tile and Terrazzo Contractors | 5 | 2% |
Borrower profile
- only 4% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 37.2% of its recent SBA loans.
- 47% of its SBA lending is revolving lines of credit rather than term loans.
- 50.2% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Citibank, N.A..