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Business Loans

Growing your business strengthens our community. Our lending specialists in PA and NY are committed to your success.

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PA and NY Small-Business Loans

  • Expert advice
    We'll help you find the perfect loan for your needs.
  • Fast, local decisions
    As your neighbors, we know your time is money.
  • Easy repayment terms
    Lengthen your term for more flexibility.
  • Flexible interest rates
    We offer various rates to fit your budget.

Let's get down to business

When you need smart financing options, our small-business loan offerings will support your short- and long-term objectives. Our knowledgeable experts take the time to understand your business with a friendly, personalized approach. Your success is our priority, and we're here to help you succeed.

  • Loans to purchase or start a new business
  • Loans to purchase land and buildings
  • Financing to renovate existing operations
  • Construction loans
  • Term loans
  • Lines of credit
  • Accounts receivable and inventory financing
  • Consolidation and refinancing loans
  • Customized loans for seasonal borrowing
  • Working capital lines of credit
  • Letters of credit to provide performance guarantees
  • C&N Visa Business Credit Card to track your purchases

Loans subject to credit approval

Applying for a business loan should be this easy.

Our customers know they can depend on Citizens & Northern Bank for business financing.  Whether you need construction financing or are buying real estate, purchasing new equipment, or looking for working capital, or a term load, our streamlined credit approval process gives you quick and efficient options for your funding needs.
When your business is growing and you need capital, don’t let anything get in your way.  Get the capital your business needs from the bank you trust. You can now request a loan online with our simple and secure Commercial Lending Center.   Less paperwork. Less hassle.  Why wait?  Request your business loan online anytime, anywhere, on any device.
Click on "Apply Now" above and get started right away. It takes just a few minutes to start your business loan request.  Simply tell us who you are, what you need, and get the response you need immediately; we only ask for the information we need to find your available commercial loan options.

3 Simple Steps:
  • Answer Essential Questions About You and Your Business
  • Request The Business Loan
  •  Get Financed
Loans subject to credit approval