Commercial Loan Services

Equipment Lending

Loan amount up to 75% of window sticker for new equipment
Simple interest, amortizing loan
Competitive interest rates

Lines of Credit

Secured & Unsecured
Interest accrued on outstanding balance only
Line advance checks supplied at closing

Capital Loans

Up to 70% financing
Secured & Unsecured

Construction Loans

Loans up to 1 year term
Interest accrued on outstanding balances only
Converts to permanent without extra costs
Third party draw inspections
Free construction deposit account

Permanent Long Term Commercial Mortgages

Types: Warehouse, Office Professional, Retail Buildings, Industrial, and Multi-Tenant Buildings
Up to a 20-year amortization
Flexible fixed and variable rates
Local approval and closings

Miscellaneous Business Services

Business Letters of Credit
Internet Banking
ACH Origination
Merchant Credit Card Processing
Citizens Remote Deposit