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Business Loans

Because we live and work in communities we serve, we understand the business culture and financial needs of our customers. We treat customers like the neighbors they are, tailoring transactions to fit their unique needs and circumstances. Whether your financing needs are focused on operating a farm, expanding your business, renovating a current facility or dealing with a seasonal cash flow situation, First Citizens National Bank will work with your business to identify the type financing that best suits your needs.

Term Loans:

An excellent source of funding for purchasing equipment, vehicles, and other fixed assets; or for obtaining permanent working capital. With competitive rates of interest and repayment terms, our business loans can provide a quick and easy funding source for a variety of business needs.

Business Lines of Credit:

First Citizens is able to provide your business access to cash for a variety of short term financial needs with a business line of credit. Your line of credit is available to you when you need the funds. Secured and unsecured options are available at competitive rates.

Small Business Loans:

SBA loans are available through First Citizens and may be just the option you need to support the financial needs of your business. Guaranteed loans offer qualified companies lower down payments and longer repayment terms than might be available through other financial options. They are smart, affordable solutions for small businesses looking to grow.

SBA 7 (a) Loans

Can be used for nearly any business purpose
Commercial real estate, construction or renovation, business acquisition and start-up franchise refinancing.
Refinancing existing debt
Equipment purchases
Working Capital

SBA 504 Loans

For small business with BIG plans. Designed to offer higher loan amounts amortized for longer time periods, the SBA 504 Loan Program is ideal for larger real estate purchases or construction projects.

USDA Rural Development Loans

Loan payment guarantee programs offered to qualified companies and individuals for business purposes.
Rural Development loans are designed to help meet the financial needs of your business located in rural areas. The term loans are for most business purposes and concentrate on job creation in the rural areas.