Business Loans

Whether you need to increase inventory, finance space, purchase equipment or grow your business, Citizens & Northern Bank offers a variety of financing tools to help you find the credit solution that's right for you.

We offer flexible interest rates, easy repayment terms and fast, local decisions. Our expert business bankers will take the time to get to know you and your business so you can be sure the financing option we select together will be appropriate for your unique situation.

Select from one of our many lending options:

  • 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 simplify tracking your purchases

Select our Line of Credit if you need a financial tool for periodic borrowing without reapplying each time. You can borrow against your line up to your credit limit and pay it back as frequently as you desire.

Select a term loan if you need a specific amount of credit to purchase assets or meet a specific need. A term loan is paid on a predetermined schedule of monthly principal and interest payments. We offer varied rates and flexible terms.

Our goal is to help local businesses - large and small - grow and succeed.

For agricultural lending options, click here.