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Real Estate

Owning commercial real estate can save you money and be a sound business investment. We offer loans that will help make the sometimes-complex commercial real estate process as simple as possible.

Owner Occupied Real Estate

For those that are tired of paying rent on their company’s building, The Citizens Bank offers a variety of loans for the purchase, refinance, or improvement of owner-occupied property.

  • Amortizations up to 20 years.
  • Rate and terms vary.

Investment Property

We offer financing solutions for the purchase, refinance, or improvement of non-owner occupied office buildings, retail centers, single family homes, multi-use properties, multi-family buildings and more.

  • Amortizations up to 20 years.
  • Rate and terms vary.

New Construction

The Citizens Bank has been supporting local home builders and real estate developers since 1928. Whether dealing with custom, pre-sold, or speculative construction, we have an experienced staff that can help you get the financing you need.

  • Loans up to 80% of cost, subject to credit approval.
  • Interest only payments during construction.
  • Reasonable origination fees.
  • Rate and terms vary.

How do I apply?

Contact one of our Loan Officers who can guide you through the process.

Please contact us at (800) 780-4808 or email our lending team if you have additional questions.

Equipment

Nothing is more essential to the operation of your business than the equipment you use and the vehicles you drive.

Vehicles

  • Up to 100% of purchase price, subject to credit approval.
  • Amortizations up to 5 years.
  • Rate and terms vary.

How do I apply?

Contact one of our Loan Officers who can guide you through the process.

Please contact us at (800) 780-4808 or email our lending team if you have additional questions.

Lines of Credit

Running a business can require a lot of capital. Whether you need cash to bridge short term cash flow needs, purchase inventory, or carry accounts receivable, we can customize a line of credit product just for your business.

Lines of Credit Details

  • Interest only terms.
  • Flexible payment options.
  • Secured and unsecured lines available.
  • Rate and terms vary.

How do I apply?

Contact one of our Loan Officers who can guide you through the process.

Please contact us at (800) 780-4808 or email our lending team if you have additional questions.

SBA Loans

The US Small Business Administration (SBA) is a federal agency committed to furthering the growth and development of small businesses. One of the ways it does this is by guaranteeing loans to small businesses made through lending partners nationwide. The Citizens Bank is an SBA-approved lender and can offer a suite of SBA products to SBA-eligible businesses, including SBA Express, SBA 7(A), and SBA 504 loans.

The benefits of SBA loans are:

  • Lower down payment requirements than conventional loans.
  • Unconventional collateral.
  • Lesser time in business accepted.

SBA loans serve a variety of business financing needs, including:

  • Owner-occupied commercial real estate purchases.
  • Business acquisition or expansion.
  • Construction.
  • Equipment, inventory or working capital.

Want to know more?

Visit SBA.gov to learn more about the different programs available through the SBA.

How do I apply?

Contact one of our Loan Officers who can guide you through the process.

Please contact us at (800) 780-4808 or email our lending team if you have additional questions.

Credit Cards

We offer Visa and American Express Credit Cards – some restrictions do apply. Please contact your local customer service representative for more information

Lending Team

Bath County
Susan Thompson NMLS #1107598
Hayden Price NMLS # 2214400

Morgan County
Brandon Evans NMLS #465951

Rowan County
Mike Alderman NMLS #665111
Mary Beth Cummins NMLS # 665114

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Ready to Get Started?

Contact us to get started on your business loan.

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Use our financial calculators to compare borrowing cost and plan for your future.

Financial Calculators