Explore our business loan offerings
Business Line of Credit
Access funds for short term uses such as purchasing inventory, paying accounts receivables, or managing seasonal needs.
Hybrid Flex Loan
Flexibility to finance various assets such as equipment, vehicles, or machinery with a short-term line of credit that turns into a term loan.
Business Term Loans
Purchase large assets and increase long-term liquidity.
Business Mortgage
Purchase, renovate, or refinance your commercial property.
The right solutions for your business needs
Use our questionnaire to discover the solutions to fit your business needs!
Determining your financing needs
As you're exploring financing solutions, this calculator can help you forecast your debt service coverage. This will help you determine whether you can currently afford the additional debt needed to boost your business.
Our working capital needs calculator will help you determine how much of a small business loan or line of credit you should apply for to cover working capital needs for the next year. Simply enter your desired annual growth rate, current assets, and current liabilities, and your target current ratio to find out what you need.
Whether you want to be rewarded for purchases or are looking for a low rate card, Citizens' Business Credit Cards offer a convenient way to make everyday purchases while improving your cash flow by extending the time between making purchases and paying for them.
Every business is different. We'd like to partner with you to understand your needs so we can help customize a business lending solution for you now, while also proactively helping you plan for the future. Simply answer a few questions, and we'll contact you to discuss your best financing options.
Ready to take the next step?
Get in touch with our team. All fields are required unless marked as "Optional".
Please note: Citizens Business Banking Products and Services are offered in the following states: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.
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All accounts and services are subject to individual approval.