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Business Financing

The funds you need to grow and thrive.

We understand that financing can be critical to the success of your business. So we offer a suite of business lending solutions at competitive rates that can be customized to meet your needs. Choose from our small business loan and line of credit offerings below. Our Relationship Managers can help you determine the best financing solution for your business.

Questions?Ask a Citizen.

Business Line of Credit

Business or Equipment Flex Loan

Business Term Loans

Business Mortgage

Business Line of Credit

Access funds for short term uses such as purchasing inventory, paying accounts receivables, or managing seasonal needs.

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Business or Equipment 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.

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Business Term Loans

Purchase large assets and increase long-term liquidity.


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Business Mortgage

Purchase, renovate, or refinance your commercial property.


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Determining your financing needs

Business loan calculator

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.

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Working capital needs calculator

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.

VIEW CALCULATOR

Business credit cards

Whether you want to be rewarded for purchases or are looking for a low rate card, Citizens Bank's 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.

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Custom business financing solutions

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.

SCHEDULE A CONSULTATION

Considering Business Financing? You might also be interested in…

Clearly Better Business Checking®

Enjoy a business checking account with no minimum monthly balance or maintenance fee.

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Act Now

Any Amount

Minimum balance to open

$0

Monthly maintenance fee

Act Now

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