Take control of your financial and strategic success!

You’ve carefully planned for your business’ future and now is the time to put your strategies into action. Take control of achieving your company’s objectives with Citizens’ customized financing options. You’ll experience flexible lending structures, competitive rates, and local decisions with financial expertise to assist in achieving your company’s long-term goals.

As your business grows, your team of experienced bankers is ready to assist! Your Citizens team is comprised of responsive, attentive professionals who know your industry and who are prepared to meet your business needs before they arise!

Take control of your success by enlisting the experienced professionals at Citizens Bank & Trust as your financial and strategic partners!

Working Capital

Citizens can accommodate your business cycle with a steady flow of capital through loans and lines of credit. We can assist in tailoring the appropriate credit facilities to meet your company’s operating needs.

Term Loans

Term financing customized to your unique situation. We provide competitive and tailored solutions to assist in achieving your goals.

Equipment Finance

100% financing allows you to conserve capital and maintain your cash to deploy in other areas of your business! Make technology affordable while avoiding obsolescence with off-balance sheet structures.

Business Acquisition, Expansion and Succession

Explore options to cultivate and grow your business for success. You’ll find creative and customized lending solutions at Citizens to diversify, expand, and strategically position your business for future profitability.

Owner Occupied Real Estate

Consider the benefits of owning your commercial real estate facility. Citizens can assist you in managing your assets through a purchase or refinance of your commercial property. We provide flexible financing options to meet your specific situation.

Commercial Real Estate

Competitive rates and flexible terms with a quick return in all types of commercial real estate including but not limited to industrial, office, retail, and multifamily properties.