Small Business Loans

At First Citizens National Bank, we're proud of our ability to consistently design the right loan to satisfy the unique needs of our business customers. From solving your short-term cash shortages to backing your next building project, we can create or tailor a loan to fit your business needs.

The experience our commercial lenders have with government-assisted programs ensures that all options are fully explored and evaluated.

Summary

Term Loans

For purchasing equipment or supplies, expanding inventory, purchasing or expanding a business, or refinancing current debt. This loan has a fixed maturity and amortization of principal.

Business lines of Credit

Provides cash on hand for working capital, unexpected expenses or extra buying power. You may even be able to link it to your business checking for overdraft protection.

Business Real Estate Loans

For purchasing commercial real estate or constructing a new building.

Accounts Receivable Financing

We increase your cash on hand by purchasing your existing accounts receivable and assume responsibility for billing your customers.

SBA Guaranteed loans

First Citizens is an approved SBA Express Lender which enables us to provide SBA guaranteed financing up to $150,000 quickly without the typical waiting period.

Commercial Letters of Credit, and more.