COMMERCIAL LOANS
What are your unique challenges? What are your business goals? Let’s have a conversation to determine what Citizens First Bank can do to support your business as it grows!
We love hearing your creative ideas. Let’s work together to put your business plan into action and bring that creative spark to life. With financial support from Citizens First Bank, and our full complement of loans and resources, your business can reach for the stars.
TERM LOANS
TERM LOANS
TERM LOANS
TERM LOANS
Loans available for long-term working capital, equipment purchases, plant expansion, property improvements and other general commercial purposes.
COMMERCIAL REAL ESTATE
COMMERCIAL REAL ESTATE
COMMERCIAL REAL ESTATE
COMMERCIAL REAL ESTATE
You can see the potential. Now, let's discuss the financing. Funding for the purchase, construction or refinancing of commercial and agricultural real estate through permanent financing, construction financing, or a combination of both.
LINES OF CREDIT
LINES OF CREDIT
LINES OF CREDIT
LINES OF CREDIT
Take advantage of trade discounts, carry receivables, purchase inventory, or sustain seasonal sales growth by establishing a line of credit to support your short-term financing needs!
COMMERCIAL LENDING TEAM
KELLY GOODSMAN-SMITH
NMLS 2440966
KELLY GOODSMAN-SMITH
Commercial/Ag Lending Officer
NMLS 2440966
Office: 563.241.4922
DYLAN BURN
NMLS 2061293
DYLAN BURN
Commercial Lender
NMLS 2061293
Office: 563.241.4923
Brady Brunson
Brady Brunson
Commercial Lender
Office: 563.519.0636
Michael Savochka
Michael Savochka
Credit Analyst
Office: 563.241.4926
START MY BUSINESS
Ready to Get Your Business Up and Running? Citizens First Bank has a variety of loan services to meet your needs. You need capital to grow your business, let’s get started today!
Citizens First Bank partners with the Small Business Administration to offer a variety of SBA loans.
Five young people holding idea-bulbs covering their faces
GROW MY BUSINESS
Establishing a new business is no small feat. You made it, congrats! Your next challenge is managing and maintaining your business, and growing at your own pace. CFB is here for you as you take your business to the next level.
LEASING SERVICES AND EQUIPMENT FINANcING
LEASING SERVICES AND EQUIPMENT FINANcING
LEASING SERVICES AND EQUIPMENT FINANcING
LEASING SERVICES AND EQUIPMENT FINANcING
Customized Financing options for your fleet. Specialty vehicles and other equipment needs.
EXPRESS COURIER
EXPRESS COURIER
EXPRESS COURIER
EXPRESS COURIER
Time is money, right? Spend more time running your business and less time running to the bank with Citizens First Bank’s Express Courier, a service that features secure deposit pickup and cash delivery to your business.
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PAYMENT PROCESSING
PAYMENT PROCESSING
PAYMENT PROCESSING
PAYMENT PROCESSING
Our merchant services make credit card and other electronic transactions as secure and seamless as possible––online, in person or wherever you do business. Simply and flexibly connect your business to the future of commerce when you get started with us today.
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BUSINESS LOAN INQUIRY
RECOMMENDED DOCUMENTS TO APPLY FOR A COMMERCIAL LOAN
- Business Plan
- Current Balance Sheet/Personal Financial Statement (Shows what you have in assets, and debts)
- Previous years cash flows (Generally comes from tax documents of prior years)
- This is used to show your ability to operate and cash flow the operation.
- Projected cash flow for the coming year
- This is used to determine what you feel is your best guess of what the year ahead will look like in terms of cash flow to pay expenses, debts & family living expenses.
Providing these documents to apply for a loan does not guarantee a loan approval.
START BY FILLING OUT THE FORM
After we receive your application, we’ll contact you to finalize the application process. The below form is not considered a full loan application.
Cash Rewards Checking
Cash Rewards Checking
Cash Rewards Checking
Cash Rewards Checking Details
Interest Rewards Checking
Interest Rewards Checking
Interest Rewards Checking
Interest Rewards Checking Details
Checking Accounts
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Health Savings Account (HSA)
Health Savings Account (HSA)
Health Savings Account (HSA)
HSA Details