Citizens Bank & Trust - commercial banking

COMMERCIAL LOANS

Citizens Bank & Trust has been providing commercial banking services to the greater Kansas City and Topeka areas for the past 25 years. Our experienced lending officers can efficiently offer custom-designed financing programs tailored to your company's needs.

Citizens Bank & Trust prides itself on being independently and locally owned. Our local operation enables us to provide expedient and creative financing programs.

Dedicated to customer satisfaction, our lending staff takes personal interest in you and your company. Offering innovative financial products expresses our commitment to be the best financial business partner possible to our customers. Citizens Bank & Trust continually strives for business solutions that will result in increased productivity, growth and profitability for our customers. Please contact us for additional information about our commercial loans or click on one of our lending services listed below for further information:

• Development Loans
• Commercial Real Estate n Equipment
• SBA Loans n Construction Loans
• Working Capital Lines of Credit
• Letters of Credit

Development Loans
Used for the purchase and development costs associated with both commercial and residential properties.

Construction Loans
Commercial construction loans are available for the construction of both owner-occupied and investor owned properties. Residential construction loans are utilized for the construction of residential properties, both speculative and custom, by professional builders.

Working Capital Lines Of Credit
For short term and/or ongoing borrowing needs, a line of credit provides a business with the ability to pay down and advance on their loan as needed.

Commercial Real Estate/Equipment Loans
If need requires long term borrowing, we offer term loans with monthly payments, fully paying the loan over a predetermined period. They are often used to finance the purchase of machinery, equipment and other fixed assets and real estate properties.

SBA Loans
Designed for the borrowing needs of small businesses, a guaranty by the U.S. Government provides additional flexibility in the amount of financing available, the maximum term of the loan, the payments required and the acceptability of collateral. Visit the Small Business Administration website for more information.

Letters of Credit
Letters of Credit can provide payment assurance to a third party (standby letter of credit) or can serve as a payment vehicle in international transactions (import/export letter of credit).

Member FDIC. Equal Housing Lender