Loans

We offer competitive rates, tailored to your needs.

We offer a range of business loan products at competitive rates to help you grow your business. You’ll get timely local lending decisions from people who care about your business and know the community. We’ll guide you through the loan process and be here when you need us.

Our loan products include:

• Revolving and non-revolving lines of credit
• Single pay notes
• Term loans
• Real estate construction loans
• Permanent real estate loans
• Floorplan lines of credit

Small Business Administration Loans

Citizens First Bank offers competitive rates on Small Business Administration loans for business expansions, improvements, and investments.

Since its founding in 1953, the U.S. Small Business Administration (SBA) has delivered loans, loan guarantees, contracts, counseling sessions, and other forms of assistance to small businesses. Under the SBA guaranty concept, commercial lenders make and administer the loans. The SBA guaranty assures the lender that in the event the borrower does not repay their obligation and a payment default occurs, the government will reimburse the lender for its loss, up to the percentage of SBA’s guaranty. Under this program, the borrower remains obligated for the full amount due. SBA has been assisting businesses with their financing needs since 1953. To find out more, give us a call, or visit the SBA Web site at sba.gov.