Commercial Loans

Local businesses are the cornerstones of our communities. Citizens State Bank has been providing loans to entrepreneurs for over a century, and we are committed to continuing this tradition. In business, it’s critical to work with a knowledgeable banker who takes time to understand your situation and develop financial solutions precisely for you. Contact your local Citizens State Bank location to discuss your needs with a commercial lending representative today.

Looking for a new location? Expanding your current building? Purchasing investment properties such as commercial or residential rentals? Talk to your local Citizens State Bank loan officer to customize a loan that fits your specific needs. Each loan is unique, and our officers have the expertise and flexibility to form a loan in a manner that works best for you while minimizing rates and closing costs. Quick answers to your requests and hassle-free closings make Citizens State Bank the place to go for commercial real estate lending.

If your business needs to replace or purchase additional machinery and equipment such as trucks, trailers, tractors, or planes, our lenders have the experience and expertise to provide a loan customized for you. We offer flexible terms and minimal closing costs. With financing from Citizens State Bank, you can negotiate as a cash buyer with any supplier you choose. You will know, up front, that you are approved for a loan and what the true cost of that transaction will be.

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To operate efficiently and maximize profits, a business needs working capital. We are proud to offer loans constructed to each unique need, providing your business with the funds to pay for inventory, carry receivables, or any other short-term borrowing requirement. Our operating loans can be structured to allow easy movement of funds between your deposit account and your loan. One of our experienced lenders would be honored to meet with you to design an operating loan that meets your business’s unique needs.