Online Banking
We have solutions for your everyday business expenses.
Citizens Bank offers a full range of commercial loans to meet the individual needs of area businesses—large or small. Our commercial loan officers have the expertise to create financial solutions vital to the financial health of your enterprise. We have competitive pricing and terms for the following commercial loans:

Commercial Term Loans
These loans provide capital for you to invest in your business—with terms that match your cash flow:
  • Working capital 
  • Equipment and vehicle purchase 
  • Facilities purchase or expansion 

Commercial Line of Credit
You may have seasonal or short-term credit needs. With a line of credit you control the amount you borrow, the timing of advances-and you can reuse the available credit as you pay down on the line:
  • Increase inventory 
  • Finance receivables 
  • Take advantage of supplier discounts 

Commercial Mortgages
Your business location and operating facilities are vital for your success. Our commercial real estate program allows you flexible financing options as you:
  • Purchase commercial real estate 
  • Refinance commercial real estate 
  • Remodel or expand current facilities 

Government Guaranteed Loans
To offer even more flexibility for the commercial borrower, we partner with the SBA (Small Business Administration) to allow you to borrow under the SBA guaranty program:
  • We are a designated SBA Express Loan lender 
  • The Low Doc program allows a short application and quick approval 
  • The SBA 7-a program is available for larger loan amounts 
  • The 504 Program funds fixed asset purchases at investment market rates 

All loans are subject to credit approval. 
Online Banking