Government Guaranteed Start-Up Loans
We offer various types of business loans that are guaranteed by a government agency (i.e. USDA, SBA). This assists borrowers in obtaining credit that may not otherwise quality for credit.
Business Term Real Estate Loan
Growing businesses need loans for the purchase or refinance of real estate and/or other debts. The loan is normally secured by a mortgage on real estate.
We offer loans for the purchase or refinance of equipment or other business assets. The loan is normally secured by a lien on a specific asset or a lien on all assets.
Equipment Leasing Program
Citizens State Bank offers qualified business owners an alternative, possibly tax –advantaged, way to finance the purchase of equipment or building for commercial use.
Business Operating Line of Credit
An operating line of credit is a revolving line that is usually secured by business assets and allows the customer the convenience of accessing their loan without the need to contact a loan officer each time a draw is needed.