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Financing Options to Help You Reach Your Potential

Whether you’re planning a major purchase or need to shore up working capital, Citizens Bank can help. We will work with you to evaluate financing options to find the one that best suits your needs and objectives:

  • Citizens Bank VantageLinkTM – apply online for loans and lines of credit. Secure up to $150,000 in just two to three days to expand or improve your business. It takes just 10 minutes to apply for a loan or line of credit, and Citizens Bank is available to help, if needed.
  • SBA loans. Fund improvements or refinance debt with more flexible terms and lower down payments than conventional loans. As a preferred SBA lender, Citizens Bank can provide support and guidance to help you through the process.
  • Business lines of credit.1 Access funds as needed to purchase inventory, cover project costs or meet other short-term needs. Pay interest only on what you use, and a low annual fee.
  • Business credit cards.2 Increase your purchasing power and optimize your cash flow with 30-day billing cycles and 20-day settlement periods. Earn points on everyday purchases or choose a low-rate card, and enjoy a 0 percent introductory APR for the first 12 months.3

More information

Learn more about how we can help your business reach its potential. Our dedicated business banking professionals can help you find the right product to meet your business’ needs. Please call 1-800-428-7463, or stop by your nearest Citizens Bank branch.

1 All accounts and services are subject to individual approval.

2 We may end your Introductory APR and apply the Penalty APR if you make a late payment. On the first day of your seventh billing cycle, your APR for Purchases for Business Platinum Mastercard® will be 9.99%, 15.99%, 18.99%, or 20.99% (as of 8/1/18) or for Everyday Points Business Mastercard®, your APR will be 12.99%, 17.99%, 20.99% or 22.99% (as of 8/1/18). This APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. The Index is determined on the last business day of each month and is the highest Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table at any time within the immediately preceding three months, including the month in which the Index was determined. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement.

3 0% introductory APR on all business purchases for 12 months if you apply by September 30, 2018

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