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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

SBA 504 Loans

This is the loan for small businesses with big plans, offering high loan amounts for longer time periods.

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The SBA 504 Loan is designed for long-term, fixed-rate borrowing needs such as capital equipment and machinery, land and building purchases, new construction, long-term equipment purchases and more.
  • Enhanced cash flow
  • Predictable monthly payments
  • Longer-term financing at competitive interest rates
  • Small businesses must qualify for an SBA loan. The qualification criteria include size requirements, financial standing and being in a for-profit industry.
  • $5 monthly fee if average balance is below $7,500
  • $4.99 monthly fee for online banking
  • $9.99 monthly fee for online banking with bill pay
  • Small fee of $.10 per item for each debit over 100
  • Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

What our
customers say

A personal relationship with my bank is so important. I can depend on First Citizens to get things done.

– First Citizens National Bank customer