Whatever your business goal, Citizens First can help make it happen by providing the money you need – fast. We offer competitive rates that you can reduce even further by maintaining qualifying deposit balances or agreeing to make payments via automatic debts. Most of our small business lending falls into the following categories.

Term Loans

• Versatile borrowing option commonly used to:
  • Finance expansion or acquisition
  • Refinance debt
  • Secure capital needed to pay for vehicles or equipment
• Receive decision on loan applications within two days
• Repayment terms may be structured to meet your budget

Lines of Credit

• Ensures working capital when you need it
• Ideal for small purchases
• Acquiring seasonal inventory
• Temporary cash flow when waiting to collect receivables or for emergencies
• Credit line can be linked to your checking account to provide overdraft protection

Commercial Leasing

• Improves cash flow
• Provides tax benefits
• Eliminates the risk of being saddled with obsolete equipment
• Flexible terms and payment options ensure your lease fit smoothly into your budget

Business Mortgages

• Ideal for:
  • Refinancing or purchasing mid-sized commercial and retail buildings
  • Residential rental properties of up to four units 

Business Credit Cards

• Executive Edition^® Visa card gives you a competitive rate
• No annual fee
• Comprehensive monthly management reports to track employee expenses