Take your organization to the next level with a business loan from Citizens First Bank. You’ll deal exclusively with local lenders who have the experience to dispense sound advice, not just hard cash!

No matter what your financial needs are, Citizens First has a solution.

Term Loans

• Versatile borrowing option commonly used to:
  • Finance expansion or acquisition
  • Refinance debt
  • Secure capital needed to pay for vehicles or equipment
• Fixed or variable rates are available
• 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
• Credit line can be linked to your checking account to provide overdraft protection

Commercial Leasing

• Improves cash flow
• Provides tax benefits
• Preserves your line of credit for working capital
• Flexible terms and payment options ensure your lease fit smoothly into your budget

Commercial Mortgages

• Ideal for:
  • Purchasing new buildings
  • Refinancing or improving commercial real estate

Construction Financing

• Commercial industrial, retail or income-producing property
• One loan for construction and mortgage financing
  • Floating rate during construction
  • Fixed-rate upon building completion

Asset-Based Financing

• Typically used to generate working capital
• Lets you use your accounts receivable as collateral for commercial loan

Business Credit Cards & Debit Card

• Business Edition^® Visa card gives you a competitive rate
• No annual fee
• Extras like:
  • Extended warranty protection
  • Insurance for baggage delays and car rentals
• Exclusive travel and emergency services 
• Free debit card that you can use to make purchases directly from your business checking account
• Get 10 cents every time you use your ATM / Check Card

Government Guaranteed Loan

• When traditional financing isn’t an option, Citizens First provides access to lending programs such as SBA and USRDA.