Hard hat on table with plans and level

Commercial Lending

Flexible financing solutions for your business

Citizens First Bank offers a variety of loans to meet the needs of businesses residing within our communities.  We understand that every business is unique and each has different financing needs. That’s why our lenders devote time getting to know you and your business – we believe it’s the most important step in providing innovative solutions through loans and other business services. Whether your company is purchasing specialized equipment, vehicles for a growing business, or real estate to expand your market presence, we have the resources to assist you.

Types of Commercial Loans

The following loans types are regularly made by our commercial lenders.

Purchase financing or existing loan refinancing
  • Owner/non-owner occupied commercial properties, purchase or refinance
  • Financing for income-producing properties
  • Construction loans structured to fit your individual project
  • Business lines of credit
  • Equipment financing
  • Tenant-improvement financing
  • 1031 exchanges
  • Multi-family properties          
  • Office, warehouse, flex space
  • Storage facilities
  • Church financing 

We are proud of our local business community!

Customer and CFB lender holding plans on a construction site.

Customer Spotlight

Burnyzz Speed Shop 

"My business will never fit in the traditional banking box. Citizens First Bank took a chance on Burnyzz and allowed us to grow. With Citizens, you get small town treatment with personal service. They actually listen to their clients' input, requests, and concerns. It's rare to find a bank that actually cares and does exactly what they say they will do for a customer." 
Josh Hart, CEO
Burnyzz Speed Shop