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Business Loan Services

Are you looking to grow your business? Then you need a partner who understands your business and your financing needs. At Citizens First, we know every business is different. With our local decision-making, we can tailor our loans to fit your business needs. And our goal is to help you and your business reach your goals.


Commercial Real Estate

We offer commercial real estate loans for purchasing a new facility or expanding or refinancing an existing one. These loans have fixed or variable rate options and longer-term amortization.

Equipment Loan

We offer equipment loans for the purchase of machinery, equipment and vehicles. These loans have fixed or variable rate options.

Line of Credit

We understand that businesses need working capital, and lines of credit are ideal for financing inventory and accounts receivable to provide that capital. These loans are reviewed annually and require monthly certificates certifying values of the collateral.

Agriculture Loan/Line of Credit

We provide term loans for the purchase of farm real estate, livestock and farm machinery with fixed and variable rate options. We also offer lines of credit for crop production expenses with variable rates and repayment terms tailored to meet your production timing.

Letter of Credit

We offer letters of credit to assist with utility deposits and construction guarantees. A letter of credit is an extension of credit in the form of a draw-down line of credit and is a great alternative to tying up your cash.