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Business Flex or Equipment Flex Loans

Purchase multiple assets or make leasehold improvements with a single business loan.

Get the best of both worlds with a flexible business financing solution. The Business Flex and the Equipment Flex Loan offerings are ideal for clients looking to purchase multiple assets and/or make leasehold improvements over a period of time1. They also provide the security of knowing you have a commitment of funds before purchasing the assets or make leasehold improvements. For Business Flex Loans, the borrowing limits are $10,000 up to $150,000 and you'll have a 6 month period to draw from your line of credit before it turns into a fixed-rate term loan for the remainder of the repayment period. For Equipment Flex Loans, the borrowing limits are $150,000 up to $500,000 and you'll have a 12 month period to draw from your line of credit before it turns into a fixed-rate term loan for the remainder of the repayment period.

Business Flex Loan Benefits

  • Ready to apply?

    Here’s what you need to get started:

    • US citizens and resident aliens 18 and older can apply
    • Social Security number
    • Driver’s license or state ID number
    • Current contact information (e.g., address, phone number, email)
    • A check, credit card, or debit card to fund your account

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Citizens Bank Business Platinum Mastercard®

Your best option if you need to carry a balance, our business credit card has no annual fee and an introductory APR of 0% for six months.

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Introductory APR

Introductory rate for the first 6 months*
Beginning the first day of the 7th billing cycle, APRs are 8.99%, 14.99%, 17.99%, or 19.99%. This APR will depend on your creditworthiness and will vary with the market based on the Prime Rate.**
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