Loans
Business Loans
Commercial Real Estate
Citizens Bank offers a full line of real estate acquisition loans for your new or expanding business. Often, we can pair the approval with assistance from one of our government guarantee agencies to grant more advantageous loan terms to promote the growth of your business.
Lines of Credit
Citizens Bank offers revolving and non-revolving lines of credit to qualifying businesses to help finance current assets. Please call one of our loan officers to schedule an appointment to discuss your cash flow needs.
Term Loans
Needing to upgrade your equipment? Citizens Bank offers long term financing to assist businesses to acquire fixed assets such as machinery, equipment, vehicles and other long-term assets. Please give one of our loan officers a call to discuss your financing needs.
Government Guaranteed Loans
Citizens Bank works closely with the Small Business Administration (SBA), and the Economic Development Centers established by the SBA. These agencies may allow Citizens Bank to assist businesses with their hard asset acquisition needs. Qualifying borrowers may receive more favorable loans terms than they may otherwise have been granted.
- SBA
Citizens Bank is able to assist borrowers with a wide range of loan products offered in conjunction with the Small Business Administration. One of the most popular offerings is the Low Doc loan guarantee. Please click here to review the complete listing of SBA services available.
- EDC
The Economic Development Centers assist the SBA, primarily with the implementation of the 504 loan program. This program allows Citizens to take a first lien position in the asset being acquired, and the EDC holds a junior lien on the collateral securing their loan. This has been a very popular program, especially with the acquisition of real estate. For more information, you can click here.
Application Process
Feel free to contact any of our experienced and qualified lenders anytime at any of our 5 branches with questions or to fill out an application. For your convenience and to speed up the loan application process, you can fill out a commercial application and provide the items on this checklist based on your company's organization status.
Personal Loans
Here at Citizens Bank, our friendly loan officers are here to help find the right loan for you. Whether you are applying for a construction or an auto loan, come in and see one of our seasoned loan officers today.
Home Loans
Allow us to assist your family in obtaining that dream home. We specialize in customizing the best loan package for you from our many available options:
- Construction Loans
- Adjustable Rate Mortgage Loans
- Fixed Rate Mortgage Loans
- Low Cost Balloon Notes
- First Time Home Buyer Loans
- Mortgage Calculator
Consumer Loans
Our consumer loan staff can help you make that needed purchase, take the perfect vacation or simply get rid of those unwanted bills with the right loan package.
Application Process
Feel free to contact any of our experienced and qualified lenders anytime at any of our 5 branches with questions or to fill out an application. For your convenience and to speed up the loan application process, you can fill out an application and provide the items on this checklist.
Loan Applications
Please Contact Us for loan applications on Adjustable Rate Mortgage or Home Equity Line of Credit.
- Fixed Rate Residential Application
- Consumer Application
- Personal Financial Statement
- Home Equity Application
Three Options
Mail, fax or bring your application to any of the loan officers at any of our five convenient locations.