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Citizens Bank & Trust Co.

Your Hometown Bank Since 1886

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Home \ Business Banking \ Business Loans

Business Loans

Citizens Bank & Trust provides business loans at attractive rates to businesses to fund operating expenses, fixed asset purchases, floor planning, expansion, and other business purposes.

Business loans will generally fall into one of three types:

  • Operating – Flexible and convenient operating credit lines can assist with smoothing out the seasonal cash flow cycle of your business. The credit lines are short term borrowing that are to be repaid within one year.
  • Intermediate term loan – Loans from one to five year terms. Whether it’s time to upgrade your equipment or consolidate business debt into one convenient payment, we can structure payment plans to fit your cash flow stream and financial needs.
  • Long term loan – Any loan over five years and less than fifteen years in term. Long term loans are usually secured by real property. If your business plans on purchasing additional property, renovate a current facility or purchase new property, our Commercial Loan Officers will give you the hands-on service you need during the process.

Our customers benefit from our experienced staff and larger lending limits. All our decisions are made locally, so you aren’t waiting for answers. At Citizens Bank & Trust we care about your success and will go the extra mile to make our community a better place.

To speak with a Commercial Loan Officer, call  320-587-2233. 

Please watch our featured video testimonial to hear what Jack Daggett, from Pride Solutions, has to say about his experience with Citizens Bank & Trust Co.

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Business Banking

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Member FDIC

Downtown Office

102 Main St South
PO Box 339
Hutchinson, MN 55350

Phone 320-587-2233
Toll 888-234-2910
Fax 320-587-5738

South Office

1390 Hwy 15 South
PO Box 339
Hutchinson, MN 55350

Phone 320-587-2233
Fax 320-234-0682

Lobby Hours

Mon-Fri 9am-4pm

Drive Thru Hours

Mon-Fri 8am-5pm
Saturday 9am-12pm
© 2023 Citizens Bank & Trust Co.
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© 2023 Citizens Bank & Trust Co.
All Rights Reserved. Privacy Policy

Website Developed by Vivid Image