Commercial Financing

Capitalize your business with flexible solutions.

Structuring flexible financial solutions

Everyday working capital. Long-term financing to fund growth. Seasonal inventory. Technology upgrades. Whatever your financing needs, we’ll work closely with you to structure flexible financial solutions.

Types of commercial financing

Your dedicated Relationship Manager and local underwriting teams will work to create the best structure, terms and rates to meet your needs. And our Treasury Management portal, accessOPTIMA®, lets you see all your loan balances and make payments from one convenient interface.

Short-term financing: Revolvers

  • Finance working capital for operations, payroll, inventory, receivables and more.
  • Match borrowing to your needs.
  • Pay interest only when drawdowns are made.

Long-term financing: Term Loans

  • Fund capital improvements, equipment purchases, and expansion initiatives.
  • Benefit from fixed or floating-rate options, flexible terms, balloon payments and early repayments with low or no-cost options.

Borrowing is about more than providing the money. We’ll work with you to evaluate your financing options and develop the optimal capital structure to address your current needs and support your long-term success.

Ready to take the next step? Get in touch with our team.

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© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

“Citizens” is the marketing name for the business of Citizens Financial Group, Inc. (“CFG”) and its subsidiaries. “Citizens Capital Markets & Advisory” is the marketing name for the investment banking, research, sales, and trading activities of our institutional broker-dealer, Citizens JMP Securities, LLC (“CJMPS”), Member FINRA and SIPC (See FINRA BrokerCheck and SIPC.org). Securities products and services are offered to institutional clients through CJMPS. (CJMPS disclosures and CJMP Form CRS). Banking products and services are offered through Citizens Bank, N.A., Member FDIC. Citizens Valuation Services is a business division of Willamette Management Associates, Inc. (a wholly owned subsidiary of CFG).

Securities and investment products are subject to risk, including principal amount invested and are: NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE

 

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