Business Loans

We'd like to be the bank for your business. We offer flexible products and competitive rates and terms. And our business banking team has the depth and expertise to develop creative financing strategies to help your company grow.

Business Revolving Line of Credit

If you need a way to facilitate the working capital requirements of your business, a line of credit could be the answer.

Provide for seasonal fluctuations in working capital
Carry accounts receivable and/or inventory
Obtain short-term working capital
Take advantage of trade discounts
Improve liquidity
Real Estate/Construction financing

Real Estate

Citizens Bank makes loans for all types of real estate:

Commercial and industrial properties
Retail property
Single and multi-family homes
Construction or expansion

Whether you're building, expanding or refinancing existing properties, we offer loan products tailored to your specific business circumstances.

Term Loan

Purchase or refinance business assets including equipment and vehicles. The regular monthly payments on a business installment loan allow you to manage your cash flow during a time of business expansion. Depending on the type of loan, fixed or variable interest rates are available over terms from 1 to 7 years.

Additional Credit Services

Letters of credit
Specialized agricultural lending products
Merchant bank card
Citizens Bank corporate credit card
All forms of SBA lending, including 7A and 504 loans