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Commercial and Business Loans

Commercial Loans call for a commercial lender. Our commercial lending specialists know you have a lot invested in your commercial property, and likely a tight schedule to keep as well. Taking your business to the next step often requires you to turn to your bank. We understand the importance of getting your financing right and we promise to do so. Because each business is unique, Citizens Bank can offer a loan package to fit the needs of your business.

Application Process

Feel free to contact any of our experienced and qualified lenders anytime at any of our 4 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 listed on this checklist.

Operating Line 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 Loan

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.

Commercial Real Estate

Has your business outgrown your current location? Citizens Bank can help you with a building addition, construct a new building or renovate an existing building.

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 loan 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 view the complete listing of SBA services available.
  • EDC: The Economic Development Centers assist the SBA, primarily with the implementation of the 504 loan program. Our lenders will be happy to assist you with contacting the Economic Development Centers that services your area.

View the Commercial Borrowers Checklist