Lending Center

Business Loans

You’ve worked hard to build your business, putting in long hours to make it a success. Managing finances is critical to the success of your business. Every small business is unique, but all have one thing in common. As a business owner you have to know about everything that goes on. That’s why Citizens National Bank offers a wide variety of useful services and a highly professional team of business bankers to provide the assistance and services you need. Contact us today to have our team working for your business.



  • Commercial Real Estate Loans

    At some point in the life of most businesses, it becomes clear that owning your own building makes sense. That’s when you can turn to Citizens National Bank to provide the support and the funds to make commercial property ownership a reality.

    • Purchase a new building or buy the property you are currently occupying
    • Combine a construction loan with permanent financing to build a structure that exactly meets your business’s needs
    • Get your occupancy costs under control by refinancing your existing building to a lower interest rate and payments
    • Get a quick decision on your application from our professional commercial lending team
  • Working Capital Lines of Credit

    From time to time your business may need financing for a variety of reasons including cash flow requirements or some other “bump in the road”.

    • A revolving line of credit that you may use as needed and only pay interest on the amount you use
    • When you repay any or all of the amount used, you may draw on the line again if needed without any further loan application process
    • Use your line for any reason including unexpected expenses, taking advantage of purchasing discounts, seasonal purchases or even market opportunities for growth
    • Transfer funds from your line into your Citizens National Bank business checking account online, via telephone or simply visit one of our banking center locations
    • Collateral requirements vary according to the structure of the line
    • Revolving credit lines from $10,000 to $500,000 or more
    • The Citizens National Bank Business Line of Credit gives you complete confidence that your business will be able to easily weather any unexpected circumstances and be able to take advantage of opportunities when they present themselves.


  • SBA Lending

    Our commercial banking professionals in government guaranteed lending can help you select from a variety of attractive financing solutions on loan programs from $50,000 and up.

    • Up to 90% on Commercial Real Estate
    • Up to 85% of Business Acquisition Costs
    • Low interest rates
    • Loans for multiple purposes
    • Longer loan terms
    • SBA 7(a) and SBA 504 Programs


  • Construction & Development

    Citizens National Bank offers a wide array of products and services to assist developers, investors and owners in acquiring, developing, building, managing and permanently financing most commercial property types.

    • Financing programs that provide experienced builders the needed funds to construct pre-sold, spec and model homes
    • Providing short term variable-rate financing that allows you to get advances when you need them
    • Good buying opportunities shouldn’t be missed for lack of financing. Our lenders understand the complexities of buying real estate and will assist you in the financing due-diligence required to allow you to close the deal fast
    • Vacant land can be turned into a retail development, apartment community or residential neighborhood. Citizens National Bank understands the language and entitlement issues and development trends in the markets we serve
    • You’ve got your property built, it’s occupied and operating and now you need financing arrangements that will allow you to maximize your return and minimize your refinance worries
  • Commercial Equipment & Vehicles

    Your company is growing beyond your capacity to service your customers. You need new equipment to sustain the growth you’ve earned and unless you get it, your service levels will decline.

    • Upgrade your current equipment to more cost efficient models
    • Get your equipment costs under control by refinancing your existing equipment to a lower interest rate and payments
    • Terms up to 5 years and up to $1,000,000 or more
    • Get a quick decision on your application from our professional commercial lending team



  • Specialized Business Loans

    Does your business have unique banking requirements? Our professional lending officers have a variety of solutions available to meet your needs.

    Business Credit Cards

    Let Citizens National Bank’s revolving line business credit card help you control your corporate expenses. Use the card for travel, entertainment or even small capital expenditures. Tie the credit card to your business checking account for overdraft protection.

    Letters of Credit

    Take advantage of the marketplace by leveraging Citizens National Bank’s ability to issue letters of credit on behalf of your business. The letters of credit can be issued for import, export and standby purposes. You can rely on us to help you build your business worldwide.

    Loans to Professionals

    Citizens National Bank’s banking officers are specifically experienced with in-depth knowledge of the business aspects of many professions, including medicine, law and accounting. In essence, we offer access to capital and a custom-tailored financing arrangement through a consultative approach that is focused on a professional’s own particular circumstances.