Borrowing Solutions

Every business has unique financing needs. Whether you're managing cash flow, expanding operations, purchasing equipment, investing in real estate, or planning for future growth, Citizens Independent Bank offers lending solutions designed to help your business move forward with confidence.

Financing Solutions Designed Around Your Goals.

 

From flexible lines of credit to long-term growth financing, our local team takes the time to understand your business and provide personalized guidance every step of the way.






Managing Cash Flow

Business Lines of Credit

 

Access funds when you need them to help cover seasonal fluctuations, unexpected expenses, or short-term working capital needs.

 

  • Flexible access to available funds
  • Borrow only what you need
Long-Term Investments

Business Term Loans

 

Finance business growth, expansion projects, major purchases, and other planned investments with predictable repayment terms.

 

  • Fixed repayment structure
  • Financing tailored to your business goals
Purchasing Equipment

Business Equipment Loans

 

Acquire the equipment, machinery, technology, or vehicles your business needs to operate and grow.

 

  • Preserve working capital
  • Finance new or replacement equipment
Property Ownership

Commercial Real Estate Loans

 

Whether you're purchasing, building, refinancing, or expanding commercial property, our lending solutions can help support your plans.

 

  • Owner-occupied and investment property financing
  • Local decision-making and personalized service
Business Growth

SBA Loans

 

Take advantage of government-backed loan programs designed to help businesses access affordable financing.

 

  • Lower down payment options may be available
  • Support for startups, acquisitions, and expansion
Financial Assurance

Letters of Credit

 

Provide confidence and security in commercial transactions by demonstrating your ability to meet contractual obligations.

 

  • Supports domestic and international transactions
  • Helps strengthen business relationships
Everyday Business Expenses

Business Credit Cards

 

Manage routine purchases while giving employees convenient access to company funds.

 

  • Separate business and personal spending
  • Simplify expense tracking and management























































































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Unlock the Power of a Local Banking Relationship.

Your business deserves more than a transaction. Connect with a team that takes the time to understand your goals and provide personalized guidance every step of the way.
























    Let's Find the Right Financing Solution.

     

    Whether you're funding growth, investing in equipment, purchasing property, or managing cash flow, Citizens Independent Bank is here to help you find the borrowing solution that fits your business.

     

     
     
    We provide business banking, personal banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.