Citizens Bank and Trust Company  
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Business Banking

Loans & Lines of Credit

Cash may be king, but financing is key to every business. Our lending professionals take the time to learn your business so CB&T will be a smart, productive partner. We’re eager to listen to your ideas and help you put them into action with

  • Small Business loans for working capital and business expansion

  • Land Development loans

  • Inventory loans

  • Lease financing

  • Owner-occupied Building loans

  • Construction loans

  • Commercial Real Estate loans

  • Ag Lending (Operating & Real Estate)

Things to think about before you call:

  • Help us learn your business by mentally preparing a brief business case describing the opportunity our financing will help you capture.

  • Understand that lending is a matter of negotiation, with the goal of creating a mutually beneficial agreement.

  • Be prepared to provide business and/or personal financial statements, tax returns and projections once the discussion moves beyond ideas into action

Let’s talk! Contact your regular branch or call 800-634-6203