Business Lending

All businesses, no matter how large or how small, have one thing in common: the need to borrow money. At Citizens Bank of Chatsworth, we have money to lend and will work with you to provide the right solution for your financing needs.

If you have gotten the run-around from other banks or have been flatly denied a loan that your business deserved, we are here for you. All loan applications are approved locally- not by a computer or at a far-off corporate office.

We offer a wide range of financing solutions, including:

Agricultural Loans
Our bank was founded in 1903, backed entirely by agricultural assets. Agriculture continues to be the roots of Citizens Bank of Chatsworth and the communities we serve. Our lenders have an intimate understanding and strong background in agriculture. We understand that it is an ever-changing business with it's own challenges. Whether your operation is large or small, we are here to provide the solutions you need and be your financial partner. Loan decisions are made here, by people who personally know your operation. Stop by your local branch office and we will find a solution to help you grow your operation.

Commercial Real Estate Loans
We provide loans to finance the acquisition or construction of facilities for commercial operations. Whether the facility is owned by the business, the business owner, a separate partnership or LLC, we can help you with the money you need.

Small Business Administration Loan Programs
We also offer Small Business Administration (SBA) Guaranteed 7(a) and 504 loans and lines of credit for the purchase of owner-occupied business real estate, working capital and equipment financing. We also offer term loans to purchase an existing business or to start a new business.

Equipment Financing
We have industry experts who will work with you to develop a customized package for your new or used equipment financing needs. Some of the industries we specialize in include: Agriculture, Specialty Vehicles, Fabrication & Machine Tools, Health Care, and Woodworking. You will enjoy our attentive personal service and fast turnaround. Whatever your needs are, we will help you find the right solution that works for you.

Revolving Lines of Credit / Business Credit Cards
We also provide lines of credit to finance accounts receivable, inventory and the seasonal needs of local businesses.

Term Loans
Term Loans have scheduled payments and maturities of more than one year. These loans can be used for a variety of purposes, including: long-term working capital, refinancing existing debt or new business acquisition.

Whatever your needs are, we are here to help you find the right solution for the growth and sustainability of your business. Stop by your nearest Citizens Bank branch office, talk with one of our friendly and knowledgeable loan officers, and start enjoying the benefits of a real community bank that makes all decisions locally.


Contact a loan officer.