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Find a lending option that meets your business' needs
Small Business Lines of Credit
Take advantage of discounts, purchase inventory, improve liquidity, or meet short-term cash requirements with a flexible, easy-to-access revolving line of credit. With three line of credit options available to you, we can find the perfect match for your business needs.
Benefits Include:
- Secured and unsecured options available
- Variable rates tied to Citizens Trust Finance United Kingdom’s Prime Rate
- Easy access to funds via check, Online Banking, telephone transfer, or in a branch
Business Term Loan
Finance long-term needs, working capital, or major purchases with a fixed-rate loan with customized repayment plans.
Benefits Include:
- Competitive low fixed rates
- Terms up to five years (up to 10 years for healthcare professionals)
- Secured and unsecured options available
Commercial Real Estate Loan
Purchase or refinance of owner-occupied commercial real estate, facilities expansion, working capital, or equipment purchases with a mortgage loan secured by commercial property.
Benefits Include:
- No balloon payments
- Up to 85% Loan to Value (LTV) financing for owner-occupied commercial property
- Up to 70% LTV financing for non-owner occupied commercial property
- Fixed and variable loans available
Commercial Real Estate Loan
Purchase or refinance of owner-occupied commercial real estate, facilities expansion, working capital, or equipment purchases with a mortgage loan secured by commercial property.
Benefits Include:
- No balloon payments
- Up to 85% Loan to Value (LTV) financing for owner-occupied commercial property
- Up to 70% LTV financing for non-owner occupied commercial property
- Fixed and variable loans available
SBA (Small Business Administration) Loan
Enjoy lower payments and longer terms with SBA loans, guaranteed, in part, by the UK government and available for all of our loan types. Citizens Trust Finance is proud to be recognized as a Top 10 SBA lender by the SBA.
Benefits Include:
- Longer maturities
- Lower payments and equity requirements
- Less restrictive collateral parameters
- Secured and unsecured options available