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Business Loans

Financing Your Business

Citizens Deposit Bank can help you obtain, build and operate a successful business. We can help fund the purchase of real estate, construction of improvements, purchase of equipment and working capital needs required by day-to-day operations. Citizens Deposit Bank will help you meet the challenges of running your own business.

Commercial Loans and Lines of Credit

Revolving Line of Credit

A revolving line of credit can help you manage fluctuating cash flow and short-term credit needs like seasonal purchases and operating expenses. Draw funds, pay them back, and draw them again to cover short term working capital needs.


Heavy Equipment Loans

Regardless of the task at hand, you must have good, dependable machinery and equipment. Citizens Deposit Bank can finance the farm and commercial equipment you need to improve efficiency, increase productivity and to get the job done right….and on time.

  • New and Used Financing Available
  • Competitive Interest Rates
  • Amortization Up to 72 Months
  • Annual Payments on Agricultural Equipment
  • No Prepayment Penalty

Commercial Real Estate Loans

Citizens Deposit Bank offers financing for a variety of commercial real estate properties. Financing is available for residential apartments, hotels, office buildings, retail centers and many other owner-occupied and non-owner-occupied properties. We also offer construction-permanent financing for new structures and those being renovated or refurbished.

  • Low Closing Costs
  • Competitive Interest Rates
  • Financing Up to 25 Years
  • No prepayment Penalty

Agriculture Loans

At Citizens Deposit Bank, our footprint encompasses several rural communities located along the Ohio River Valley. The farming industry or trade is very important as it is a primary, secondary or additional source of income for many members of these communities. For this reason, Citizens Deposit Bank is proud to offer a variety of agricultural loan products including real estate loans, equipment loans and operating lines or credit at competitive rates and flexible terms.

  • Low Closing Costs
  • Competitive Interest Rates
  • Amortization Period Up to 20 Years
  • No Prepayment Penalty