celtic-bank

About

Celtic Bank, founded in 2001 and headquartered in Salt Lake City, Utah, is a prominent nationwide lender specializing in small business financing. As a privately-owned industrial bank chartered by the State of Utah, it has established itself as a leading financial partner for entrepreneurs and small to medium-sized businesses across a multitude of industries. The bank has consistently ranked among the top ten most active SBA lenders in the United States, a testament to its commitment and expertise in facilitating government-backed loan programs. Celtic Bank's core mission is to empower business owners to achieve their goals by providing accessible and tailored financing solutions. This includes funding for working capital, business acquisitions, commercial real estate purchases, equipment financing, and ground-up construction projects. Beyond its significant presence in SBA lending, offering both 7(a) and 504 loans, Celtic Bank provides a diverse portfolio of financial products. This includes USDA Business & Industry (B&I) loans, asset-based lending, supply chain financing, and specialized financing for renewable energy projects. The institution prides itself on a relationship-centric approach, viewing each borrower and strategic partner as a long-term investment. This philosophy is supported by an entrepreneurial credit culture and a dedicated team of financing professionals who work to simplify the loan application process. Celtic Bank also operates as a key partner for various financial technology (FinTech) companies, providing the regulated banking infrastructure that enables these firms to offer credit products to their customers. This B2B2C model allows fintech partners to leverage Celtic Bank's charter for loan origination and compliance, while they focus on customer acquisition and user experience, demonstrating the bank's adaptability and forward-thinking approach within the evolving financial landscape.