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cOMMERcIAL LOANS

What are your unique challenges? What are your business goals? Let’s have a conversation to determine what Citizens First Bank can do to support your business as it grows!

We love hearing your creative ideas. Let’s work together to put your business plan into action and bring that creative spark to life.  With financial support from Citizens First Bank, and our full complement of loans and resources, your business can reach for the stars.

TERM LOANS

TERM LOANS
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TERM LOANS

TERM LOANS

Loans available for long-term working capital, equipment purchases, plant expansion, property improvements and other general commercial purposes.

cOMMERcIAL REAL ESTATE

cOMMERcIAL REAL ESTATE
Small town shopping in the Hudson Valley

cOMMERcIAL REAL ESTATE

cOMMERcIAL REAL ESTATE

You can see the potential. Now, let's discuss the financing. Funding for the purchase, construction or refinancing of commercial and agricultural real estate through permanent financing, construction financing, or a combination of both.

LINES OF cREDIT

LINES OF cREDIT
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LINES OF cREDIT

LINES OF cREDIT

Take advantage of trade discounts, carry receivables, purchase inventory, or sustain seasonal sales growth by establishing a line of credit to support your short-term financing needs!

OUR TEAM

Stephen Clements Head shot
STEPHEN cLEMENTS

NMLS 420097

Stephen Clements Head shot
STEPHEN cLEMENTS

Executive Vice President
NMLS 420097

Office: 563.519.0664

Portrait of Keith Hook
KEITH HOOK

NMLS 507340

Portrait of Keith Hook
KEITH HOOK

Senior Credit Officer
NMLS 507340

Office: 563.519.0634

Portrait of Evan Trenkamp
EVAN TRENKAMP

NMLS 419306

Portrait of Evan Trenkamp
EVAN TRENKAMP

VP Senior Lender
NMLS 419306

Office: 563.519.0646

Portrait of Kara Durward
KARA DURWARD

NMLS 18885624

Portrait of Kara Durward
KARA DURWARD

Ag/Commercial Lender
NMLS 18885624

Office: 563.241.4919

Photo of Dylan Burn
DYLAN BURN

NMLS 2061293

Photo of Dylan Burn
DYLAN BURN

Commercial Lender
NMLS 2061293

Office: 563.241.4923

 

START MY BUSINESS

Ready to Get Your Business Up and Running? Citizens First Bank has a variety of loan services to meet your needs. You need capital to grow your business, let’s get started today!

Citizens First Bank partners with the Small Business Administration to offer a variety of SBA loans.

 

GROW MY BUSINESS

Establishing a new business is no small feat.  You made it, congrats!  Your next challenge is managing and maintaining your business, and growing at your own pace. CFB is here for you as you take your business to the next level.

 

LEASING SERVIcES AND EQUIPMENT FINANcING

LEASING SERVIcES AND EQUIPMENT FINANcING
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LEASING SERVIcES AND EQUIPMENT FINANcING

LEASING SERVIcES AND EQUIPMENT FINANcING

Customized Financing options for your fleet. Specialty vehicles and other equipment needs.

EXPRESS COURIER

EXPRESS cOURIER
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EXPRESS COURIER

EXPRESS cOURIER

Time is money, right? Spend more time running your business and less time running to the bank with Citizens First Bank’s Express Courier, a service that features secure deposit pickup and cash delivery to your business.

MERCHANT SERVICES

MERcHANT SERVIcES
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MERCHANT SERVICES

MERcHANT SERVIcES

Our merchant services make credit card and other electronic transactions as secure and seamless as possible––online, in person or wherever you do business. Simply and flexibly connect your business to the future of commerce when you get started with us today.

Art for the podcast Bites and Beverages with Citizens First Bank

Listen now to Bites and Beverages with Citizens First Bank

 

APPLY FOR A BUSINESS cREDIT cARD

 

Apply Now!

 

 

 

BUSINESS BANKING

Learn More

 

REcOMMENDED DOcUMENTS TO APPLY FOR A cOMMERcIAL LOAN

  1. Business Plan
  2. Current Balance Sheet/Personal Financial Statement (Shows what you have in assets, and debts)
  3. Previous years cash flows (Generally comes from tax documents of prior years)
    • This is used to show your ability to operate and cash flow the operation.
  4. Projected cash flow for the coming year
    • This is used to determine what you feel is your best guess of what the year ahead will look like in terms of cash flow to pay expenses, debts & family living expenses.

Providing these documents to apply for a loan does not guarantee a loan approval.

 

 

APPLY

After we receive your application, we’ll contact you to finalize the application process.  The below form is not considered a full loan application.

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