Citizens can help you select the best credit options for your business. Whether you are adding inventory, equipment, property or people, we have tools to help you achieve your business goals.

Installment Loans
An installment loan is secured by your business assets and is designed to finance equipment and vehicle purchases, long term working capital, debt consolidation, or any other long term need of the business. Interest rates are competitive and payment terms are flexible, and the regularly scheduled payments allow you to accurately forecast your cash needs.

Single-Payment Loans
Cover those one-time borrowing needs with a single payment loan. These loans provide interim working capital for a business temporarily in need of cash, and are typically repaid in a lump sum when a business asset such as a receivable or piece of equipment is converted to cash. It's a wise solution for a temporary need.

Commercial Real-Estate Loans
Purchase or refinance a building or piece of land with one of our real estate mortgages. Closing costs are reasonable, payment terms are flexible, and interest rates are offered on either a variable rate or a fixed rate.

Commercial Construction Mortgages
Build or remodel a building to best suit your business needs with one of our construction mortgages. Borrowing on a line of credit as you need funds to complete the construction helps minimize interest paid during the construction period. Upon completion of the project, the loan automatically converts to a regular mortgage so that it's easy to plan into your budget and there are no additional closing costs.

Specialty Loans
At Citizens Bank Minnesota we also offer SBA loans and other special loan programs. To apply or to ask for additional information, please contact one of our business bankers. We can find the loan program that will suit your business best!

Lines of Credit
Plan for the future expected and unexpected needs of your business with a Citizens Bank Minnesota line of credit. We can tailor your line of credit to meet the individual needs of your business.

At Citizens Bank Minnesota we look forward to getting to know you and your business! To learn more about any of our loan programs please contact one of our business bankers at (507) 354-3165 or toll free at (800) 549-0194.