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Meet the 80+ Lenders for Small-and-Medium Sized Businesses

Explore the diverse set of lending partners you could connect with when submitting a loan request on Bridge built by Citi, and understand the differences between the types of institutions participating on the platform.

Are you a small or medium-sized business owner in search of financing options? Whether you’re looking for a line of credit, term loan, commercial mortgage or another financing solution, Bridge built by Citi can help you explore options to make an informed decision. The platform has over 80 participating lenders, including community and regional banks, Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CDFIs), making it easier to find the lender that could be a good fit for your needs. Let’s break down each kind of lender.

 

What is a CDFI? CDFIs are financial institutions that focus on providing affordable financing to underserved communities and businesses. CDFIs are often organized as a non-profit loan fund (or "CDFI Loan Funds"), with other CDFI structures being credit unions, local & regional banks, or venture capital funds.

CDFI Loan Funds have more flexible credit requirements than traditional bank lenders. While traditional banks may be more widely known with branches and ATM locations throughout their communities, CDFIs can be a valuable option for small and medium sized business owners looking for flexible financing options.

 

What is a MDI? MDI is a term used to describe a financial institution, typically a community bank, that is either majority owned or controlled by minority individuals. These institutions provide services and financial resources to their target communities, which are often underserved. Bridge built by Citi is committed to working with MDIs to increase access to capital and credit in these communities and to help support minority populations. The platform currently has Black or African American, Hispanic American, Asian or Pacific Islander American, Native American or Alaskan Native American, and Multi-racial American banks participating, as well as several women-owned banks.

 

Community Banks & Regional Banks are banking institutions that play a crucial role in providing small-and-medium sized businesses with essential financial services and a source of credit that is critical to economic growth and job expansion. The Federal Reserve defines Community Banks as those with less than $10 billion in assets, and Regional Banks as those with total assets between $10 billion and $100 billion.

 

Lenders on Bridge
(as of 7/1/2023)

  5   5Star Bank

HQ: Colorado Springs, CO
Community Bank

 
         
    Accion Opportunity Fund

HQ: New York, NY
CDFI

 
         
  ACE   ACE

HQ: Cleveland, GA
CDFI

 
         
  Adelphi   Adelphi Bank

HQ: Columbus, OH
MDI (Black or African American)

 
         
    Agility Bank

HQ: Houston, TX
Women Owned

 
         
    Alamerica Bank

HQ: Birmingham, AL
MDI (Black or African American)

 
         
  Ameris   Ameris Bank

HQ: Atlanta, GA
Community Bank

 
         
  Anchor Bank   Anchor Bank

HQ: Palm Beach Gardens, FL
Comunity Bank

 
         
  Arkansas Capital   Arkansas Capital

HQ: Little Rock, AR
CDFI

 
         
    Asian Pacific Bank

HQ: San Gabriel, CA
MDI (Asian or Pacific Islander American)

 
         
  Atlantic Union   Atlantic Union Bank

HQ: Richmond, VA
Community Bank

 
         
    B:Side Fund

HQ: Denver, CO
CDFI

 
         
  Banesco   Banesco

HQ: Coral Gables, FL
MDI (Hispanic American)

 
         
  BOCC   Bank of Cherokee County

HQ: Hulbert, OK
MDI (Native American or Alaskan Native American)

 
         
    Bank OZK

HQ: Little Rock, AR
Regional Bank

 
         
  BBIF   BBIF

HQ: Orlando, FL
CDFI

 
         
    Beacon Business Bank

HQ: San Francisco, CA
Women Owned

 
         
  Blue Foundry   Blue Foundry

HQ: Lyndhurst, NJ
Community Bank

 
         
  Byline   Byline Bank

HQ: Chicago, IL
Community Bank

 
         
  California International   California International Bank

HQ: Westminster, CA
MDI (Asian or Pacific Islander American)

 
         
  California Statewide CDC   California Statewide CDC

HQ: Pleasanton, CA
CDFI

 
         
    CapStar Bank

HQ: Nashville, TN
Community Bank

 
         
    Carolina Small Business Development

HQ: Raleigh, NC
CDFI

 
         
  Carver Federal   Carver Federal Savings Bank

HQ: New York, NY
MDI (Black or African American)

 
         
    Carver State Bank

HQ: Savannah, GA
MDI (Black or African American)

 
         
    CDC Small Business Fund

HQ: San Diego, CA
CDFI

 
         
  CEI Maine   CEI Maine

HQ: Brunswick, ME
CDFI

 
         
  Celtic Bank   Celtic Bank

HQ: Salt Lake City, UT
Community Bank

 
         
  Central Bank of Houston   Central Bank of Houston

HQ: Houston, TX
Community Bank

 
         
    Citizens Trust Bank

HQ: Atlanta, GA
MDI (Black or African American)

 
         
  City First   City First Bank

HQ: Washington D.C.
MDI (Black or African American)

 
         
    Citywide Banks

HQ: Denver, CO
Community Bank

 
         
  Climb Fund   Climb Fund

HQ: Charleston, SC
CDFI

 
         
    Colony Bank

HQ: Fitzgerald, GA
Community Bank

 
         
    Commonwealth National Bank

HQ: Mobile, AL
MDI (Black or African American)

 
         
    Continental Bank

HQ: Salt Lake City, UT
Community Bank

 
         
  Dream Spring   Dreamspring

HQ: Albuquerque, NM
CDFI

 
         
    First Bank

HQ: Nashville, TN
Community Bank

 
         
  First Business Bank   First Business Bank

HQ: Madison, WI
Community Bank

 
         
  First Citizens   First Citizens Bank

HQ: Raleigh, NC
Community Bank

 
         
    First Farmers Bank

HQ: Columbia, TN
Community Bank

 
         
    First Horizon Bank

HQ: Memphis, TN
Regional Bank

 
         
    First Independence Bank

HQ: Detroit, MI
MDI (Black or African American)

 
         
    First Internet Bank

HQ: Indianapolis, IN
Community Bank

 
         
    First National Bank of Omaha

HQ: Omaha, NE
Regional Bank

 
         
  First National Bank of TX   First National Bank of TX

HQ: Killeen, TX
Community Bank

 
         
    First Women's Bank

HQ: Chicago, IL
Women Owned

 
         
  Flushing Bank   Flushing Bank

HQ: Uniondale, NY
Community Bank

 
         
  GN Bank   GN Bank

HQ: Chicago, IL
MDI (Black or African American)

 
         
  Grasshopper Bank   Grasshopper Bank

HQ: New York, NY
Community Bank

 
         
    Independent Financial Bank

HQ: McKinney, TX
Community Bank

 
         
  Industrial   Industrial Bank

HQ: Washington D.C.
MDI (Black or African American)

 
         
  IFB   International Finance Bank

HQ: Miami, FL
MDI (Hispanic American)

 
         
    JD Bank

HQ: Jennings, LA
Community Bank

 
         
  Johnson Financial   Johnson Financial

HQ: Racine, WI
Community Bank

 
         
  Justien PETERSEN   Justine PETERSEN

HQ: St. Louis, MO
CDFI

 
         
    Liberty Bank

HQ: New Orleans, LA
MDI (Black or African American)

 
         
  Liftfund   LiftFund

HQ: San Antonio, TX
CDFI

 
         
    M&F Bank

HQ: Durham, NC
MDI (Black or African American)

 
         
  Main Street Launch   Main Street Launch

HQ: Oakland, CA
CDFI

 
         
    MC Bank

HQ: Morgan City, LA
Community Bank

 
         
  Miami Bayside Foundation   Miami Bayside Foundation

HQ: Miami, FL
CDFI

 
         
    NCRC

HQ: Washington D.C.
CDFI

 
         
  Old National   Old National Bank

HQ: Evansville, IN
Regional Bank

 
         
    Optus Bank

HQ: Columbia, SC
MDI (Black or African American)

 
         
    Pacific Commnity Ventures

HQ: Oakland, CA
CDFI

 
         
  Piermont   Piermont Bank

HQ: New York, NY
MDI (Multi-racial American)

 
         
  QNB   QNB Bank

HQ: Quakertown, PA
Community Bank

 
         
    SNB Bank

HQ: Shattuck, OK
Community Bank

 
         
  South State Bank   Southstate Bank

HQ: Winter Haven, FL
Regional Bank

 
         
    TAB Bank

HQ: Ogden, UT
Community Bank

 
         
  Terrabank   Terrabank

HQ: Miami, FL
Community Bank

 
         
  Harbor Bank of MD   The Harbor Bank of Maryland

HQ: Baltimore, MD
MDI (Black or African American)

 
         
  Trufund   TruFund

HQ: New York, NY
CDFI

 
         
  UCEDC   UCEDC

HQ: Cranford, NJ
CDFI

 
         
    United Bank of Philadelphia

HQ: Philadelphia, PA
MDI (Black or African American)

 
         
    Unity Bank

HQ: Houston, TX
MDI (Black or African American)

 
         
    Vantage Bank

HQ: San Antonio, TX
Community Bank

 
         
  VCC   VCC Bank

HQ: Richmond, VA
Community Bank

 
         
  Wintrust   Wintrust Bank

HQ: Rosemont, IL
Community Bank

 
         

 

* Specific definitions of "MDI" differ depending on the source. Please refer to FDIC.gov and OCC.gov for additional information