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Our loan officers specialize in commercial lending. Let them help you with all of your financial needs! They will provide advice and guidance to help your business become established and to grow profitably.

Financing Programs Include:
  • Loans for equipment and computer purchases, inventory management, and operating capital
  • Loans to finance acquisition activities
  • Commercial real estate mortgages to construct, improve, refinance, or purchase property and improvements
  • Ohio Minority Business Direct Loan Program
  • Revolving credit and lines of credit
  • Domestic and international lines of credit
  • Business Visa® Credit Card
Line of Credit

A business line of credit can be a very valuable tool to a business or agricultural owner. Citizens National Bank lines of credit are designed to help businesses manage their cash flow and their short term borrowing needs. Our lines of credit can be used to purchase inventory or pay bills, including payroll, while you wait for receivables to be collected, or to cover seasonal operating needs and expenses. A line of credit typically is set up for one year or for the normal operating cycle of your business. Interest only payments are due periodically until the maturity date of the line of credit.

Benefits include:
  • Access your funds quickly and easily through Online for Business or by phone.
  • Competitive interest rates.
  • Pay interest only on the portion of the line of credit in use.
  • With a revolving line of credit: when you make a payment, you replenish the credit available to your business.
To determine your potential payment on a line of credit, check our our loan payments calculator.
Business Loan Programs
USDA - United States Department of Agriculture Rural Development

Business and Industry Guaranteed Loans

  • Bank loans between $500,000 and $10,000,000
  • Up to 80% of loan is guaranteed against loss
  • Projects create and/or retain jobs
  • Loans for either business expansions or start-ups, includes manufacturing, wholesale, retail or service
  • Loan purposes include real estate, machinery and equipment or term working capital
  • Collateral must be sufficient to protect the interest of the lender and USDA
  • Business must be located in rural area or small towns under 50,000

Community Facility Loan Guarantees

  • To improve, develop and construct essential community facilities in rural areas including: hospitals, health clinics, nursing homes, fire and police departments, community centers, roads and streets, libraries, schools, criminal justice centers, recreational facilities, etc...
  • Applicants must be non-profit corporations and public bodies such as municipalities, counties, special purpose districts and authorities.
  • Maximum guarantee is 90% although normally the guarantee will not exceed 80%.
Small Business Administration (SBA) Programs

SBA 7A Guaranteed Loans

  • Maximum loan amount of $5 million
  • Both fixed and variable interest rate structures are available
  • SBA guarantee of up to 85% on loans up to $150,000 and 75% on loans of more than $150,000

  • Loans to businesses, not individuals
  • May be used to establish a new business or assist in the acquisition, operation or expansion of an existing business
  • Maximum loan maturities are 25 years for real estate, up to 10 years for equipment and up to 7 years for working capital

SBA 504 Loans

  • Maximum loan amount of $4 - $5.5 million depending upon how funds will be used and which goal they support: job creation, public policy or small manufacturing
  • Interest rates are pegged to an increment above the current market rate for 5-year and 10-year U.S. Treasury issues
  • SBA guarantee of up to 85% on loans up to $150,000 and 75% on loans of more than $150,000

  • Applicants must operate as a for-profit company and do business in the United States. For a complete list of eligibility requirements, click here.
  • Funds must be used for job creation, meeting public policy goals of energy reduction or alternative fuels or to aid small manufacturing in creating or retaining jobs or in order to improve the economy.
  • Maturity terms or 10 and 20 years are available.
Ohio Department of Development

The Collateral Enhancement Program (CEP)
Designed to enable financing that might otherwise be unavailable due to a collateral shortfall for small businesses, minority- and women-owned businesses, and businesses located in HubZone areas that need access to capital for growth or expansion.

  • Small businesses with fewer than 250 employees and revenue equal to or less than $20 million.
  • Ohio-based business - new or existing.
  • Maximum cash collateral deposit amount for fixed asset or working capital loans is $1.5 million. Maximum lender loan amount is $5 million. Minimum loan amount for working capital is $100,000.
  • Loans may be used for short-term or long-term owner occupied commercial real estate, equipment purchases, leasehold improvements, refinancing and more. See Eligibility Criteria for a complete list.
Meet Our Lenders
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For an online directory of our commercial lenders

More Information
Learn more about how our commercial loan services can benefit your business today. Call:
Mon. - Fri. 8:30 am - 5 pm EST
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