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Business Loans

Business Lending

Citizens First Bank provides a variety of loan services to meet the needs of your business. Your business needs access to capital to grow, and whether you need to purchase equipment, support your business cycle, or acquire or expand a new or existing facility, Citizens First Bank can serve you.

Agricultural Lending

When you need financing for major equipment expenses, livestock or crop production, we offer financing solutions with repayment schedules designed specifically to match your cash flow.

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!

Term Loans

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

Ag & Commercial Mortgage Loans

Get funding for the purchase, construction or refinancing of commercial and agricultural real estate through permanent financing, construction financing, or a combination of both.

Vehicle Loans

Used for long-term financing of new and used cars, vans, trucks and other rolling stock.

Federally Guaranteed Loans

These loans are extended by the bank with the guarantee of the federal government through the U.S. Small Business Association and enable your business to obtain secured financing when conventional collateral might not be adequate.

Business Credit Card 

Interested in learning more?



Meet our Commercial Lenders


Photo of Keith Hooks smiling

Keith Hook
NMLS ID 507340

Photo of Greg Farwell smiling

Greg Farwell
NMLS ID 507834

Photo of Lori Welsh smiling

Lori Welsh
NMLS ID 507498

Photo of Steve Clements smiling

Stephen Clements
NMLS ID 420097

Photo of Evan Trenkamp smiling

Evan Trenkamp
NMLS ID 419306

 
 
Richard R. Matzen
NMLS ID 500137
Citizens First Bank NMLS ID 500158



We look forward to meeting with you!



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