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Celtic Bank



About Us

Founded in 2001 and headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank specializes in small business finance, helping business owners with working capital, expansion, acquisition, construction, equipment financing, renewable energy finance, real estate purchases and refinances, and more. Celtic Bank has ranked as one of the top ten SBA lenders nationally since 2013. Celtic Bank has a proven track record in a range of industries, including renewable energy finance, healthcare, gas station / C-store, car wash, hotel and others. Every business loan application is approached with a creative and problem-solving mindset, and we aim to structure tailored financing solutions that help our clients meet their growth objectives.

A New Albany resident since 2013, Nathan Ray is Vice President of Business Development for the SBA and USDA lending program in Ohio.


  • Top 10 National SBA Lender
  • Financing to Buy, Build, or Expand Your Business
  • Up to 90% loan-to-value
  • Up to $5 Million in funding
  • Most Loans Closed in 30 days or less from Signed Commitment


Nathan Ray, MBA, VP of Business Development, SBA Lending
Celtic Bank Headquarters

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