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Business Loans

Does your bank create value for your business? If not, we should talk! At Citizens State Bank, we believe a bank should be more than a place to take a deposit or get a loan. We become part of our customer's business and provide advice to improve all areas of the business, while helping prepare the business for the future! This approach helps businesses increase sales, productivity, efficiencies, and ultimately profits. Due to our expertise in our communities and various industries, our Business Bankers are trusted resources and provide valuable feedback not found at other banks. If we don’t have the answer, we know someone who does and will make the connection. So if you are looking for a financial partner that patrons and refers business and makes banking easy while providing advice in a fun environment, give us a call today. You won’t be disappointed!


Citizens State Bank offers competitive rates for real estate loans to purchase, construct, refinance, or renovate your property. We provide financing for all types of commercial real estate, including owner occupied, investment, and residential income properties. The terms we offer are flexible to adapt to your specific needs, and our knowledgeable Business Bankers assess the local market to help you make the best financial decision for you and your business.

We offer revolving lines of credit to our business customers for short-term working capital and seasonal financing needs. These variable rate loans allow our customers to borrow funds, repay the balance, and borrow again when more cash is needed to help the business prosper. We also provide letters of credit, which can be used by our customers as collateral to facilitate various business transactions.

Citizens State Bank offers a variety of term loans to purchase or refinance equipment, machinery, vehicles, etc. Term loans can also be used for the short-, medium-, and long-term working capital needs of your business. Our rates are competitive, with flexible terms to meet your needs.

SBA loan programs provide government assistance for businesses to help facilitate credit or provide long-term, fixed-rate financing options that otherwise would not be available with traditional bank financing. SBA loan programs can be used to secure financing for a variety of business needs, including real estate, leasehold improvements, working capital, equipment, business acquisition, inventory, etc. Citizens State Bank works with a variety of SBA loan programs to meet the specific needs of our customers.

What Our Clients Say About Us

Very friendly staff from the moment I walked in. Dallas was very professional, knowledgeable and had me in and out fast!

Flo-Rite Exteriors & Seamless Gutters LLC

Thank you to Jared who has been phenomenal to work with! Jared stepped in to help on of our clients to secure financing for a commercial construction project. He went above and beyond with his communication between the client and our construction company as well as going above and beyond with his efforts to secure financing. Without Jared stepping in I don't know if this project would have been made possible. We look forward to continuing to refer Jared to future clients!

Marawood Construction

We recently just closed on a commercial loan from Jesse at Citizens! What a great experience! Of the two prior houses I have owned and the hassle it was to purchase them, I figured getting a commercial loan was going to be even worse. But that was not the case, Jesse made it SO easy from start to finish and helped us along the way. We can't wait to do our next loan through Citizens and grow our relationship with the wonderful staff in their office! Thanks for the smooth transaction, looking forward to the next!

Riverland Rentals