Skip to content

Handle ongoing needs with ease using our business line of credit. We offer a wide range of credit limits to give you maximum flexibility.

  • Purchase inventory, support accounts receivable, or use for other seasonal needs
  • Flexible repayment terms
  • Maturities up to three years
  • Advances are directly deposited to your Citizens National account
  • Credit limits range from $5,000 to $1,000,000 with larger lines available
  • Local decision-making and processing in Northern Michigan
  • Friendly service from people you know

As a business customer of Citizens National Bank, there are many loan products available for you depending on your need. One of our business loan officers would be happy to sit down with you to discuss your loan request. Please be aware, there is some general information that is required to make a loan decision, so it is advised to have these items available when you come in to apply for a business loan.

Information typically needed to make a business loan decision is as follows:

  • 3 years financial information for established business
  • Financial projections for start-up or expanding business
  • 3 years tax returns and Personal Financial Statement for business principals/guarantors
  • Basic history of the business or project
  • Specific information regarding the loan request