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                  Business Financing

                  Experience the speed and simplicity of the Citizens Bank VantageLinkTM online application

                  Get a business loan or line of credit up to $150,000 in 2-3 days.

                  Apply Now

                  Questions?Ask a Citizen.

                  Business Line of Credit

                  Business or Equipment Flex Loan

                  Business Term Loans

                  Business Mortgage

                  Business Line of Credit

                  Access funds for short term uses such as purchasing inventory, paying accounts receivables, or managing seasonal needs.

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                  Business or Equipment Flex Loan

                  Flexibility to finance various assets such as equipment, vehicles, or machinery with a short-term line of credit that turns into a term loan.

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                  Business Term Loans

                  Purchase large assets and increase long-term liquidity.


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                  Business Mortgage

                  Purchase, renovate, or refinance your commercial property.


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                  Determining your financing needs

                  Business loan calculator

                  As you're exploring financing solutions, this calculator can help you forecast your debt service coverage. This will help you determine whether you can currently afford the additional debt needed to boost your business.

                  VIEW CALCULATOR

                  Working capital needs calculator

                  Our working capital needs calculator will help you determine how much of a small business loan or line of credit you should apply for to cover working capital needs for the next year. Simply enter your desired annual growth rate, current assets, and current liabilities, and your target current ratio to find out what you need.

                  VIEW CALCULATOR

                  Business credit cards

                  Whether you want to be rewarded for purchases or are looking for a low rate card, Citizens Bank's Business Credit Cards offer a convenient way to make everyday purchases while improving your cash flow by extending the time between making purchases and paying for them.

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                  Custom business financing solutions

                  Every business is different. We’d like to partner with you to understand your needs so we can help customize a business lending solution for you now, while also proactively helping you plan for the future. Simply answer a few questions, and we’ll contact you to discuss your best financing options.

                  SCHEDULE A CONSULTATION

                  Considering Business Financing? You might also be interested in…

                  Clearly Better Business Checking®

                  Enjoy a business checking account with no minimum monthly balance or maintenance fee.

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                  Any Amount

                  Minimum balance to open

                  $0

                  Monthly maintenance fee

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