Celtic Bank Review 2026

Celtic Bank has built a highly automated digital-first SBA 7(a) process — particularly for loans under $500K and SBA Express loans — that allows it to process a large volume of smaller applications efficiently. SBA loan count rankings (vs. dollar volume) reward lenders that do many smaller loans well. Celtic's franchise SBA activity also contributes to consistent volume. Verify current lending activity at sba.gov and celtic bank's public SBA information.

Celtic Bank's SBA sweet spot is approximately $150K–$500K for standard 7(a) loans and under $500K for SBA Express. Their digital intake process is streamlined for this range. For jumbo 7(a) loans above $1M, lenders with larger balance sheets and higher dollar-volume rankings (like Live Oak, Huntington, or the national banks) may offer more competitive terms. Celtic's approach is designed for speed and efficiency on mid-sized SBA requests.

Celtic Bank's standard SBA 7(a) requirements include a personal FICO score of approximately 680+, at least 2 years in business, a Debt Service Coverage Ratio (DSCR) of 1.15 or above, and eligibility under SBA size standards for your industry. The business must not be in a prohibited SBA industry (gambling, lending, etc.). Celtic Bank is a digital-first lender — initial contact typically begins through their online SBA application. Verify current requirements at celticbank.com and sba.gov.

No. ClearValue Lending is a small business funding platform — not a bank, lender, or financial advisor. Celtic Bank Corporation is an independent FDIC-insured bank and SBA PLP lender. All loan approvals and terms are determined solely by Celtic Bank. Verify current terms at celticbank.com and sba.gov.