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Commercial Loans

Loans for Businesses of Any Size

Citizens Savings Bank specializes in providing loan solutions to commercial customers. No matter the size of your business, our lenders will work with you to find the right financing solution for your unique needs.

SBA Loans, Equipment Loans, Working Capital Loans and Construction Loans

Our local businesses not only provide jobs and incomes for friends and neighbors, but they help keep money in our local economy, helping support our communities as a whole. Citizens Savings Bank offers commercial loan options to help area small businesses get started, move, expand and be successful. Citizens Savings Bank’s commercial loan options include:

  • Commercial Real Estate Loans
  • Small Business Administration (SBA) Loans
  • Equipment Loans
  • Operating/Working Capital Loans
  • Construction Loans

Whether you have an idea for a new small business or need to expand your current business, Citizens Savings Bank can provide the funding you need while helping you understand your loan program. Contact Citizens Savings Bank or stop by any of our locations to get started today!

Appointment Checklist

Existing Business

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Signed personal financial statement View Financial Statement PDF
  • Cash Flow projections
  • Last 3 years of personal and business federal tax returns

Business Acquisition

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement  View Financial Statement PDF
  • Last 3 years federal tax returns on the business
  • Signed purchase agreement
  • Projections for at least one year - cash flow, balance sheet, and income statement

Start-Up Business

  • Detailed business plan
  • Signed personal financial statement  View Financial Statement PDF
  • Last 3 years federal tax returns on individual
  • Projections for at least one year - cash flow, balance sheet, and income statement

All Requests

  • If a corporation - Articles of Incorporation
  • If a partnership - Partnership Agreement
  • If a LLC - Articles of Organization
  • Use of Proceeds

What you get with Citizens Savings Bank

Locally Owned Community Bank, Local Decision Making, Competitive Rates and Quick Approval