Hero-Lines-of-Credit

Business Lending

You need money. We understand. Let Citizens Bank & Trust tailor a business loan to fit your financial needs.

As an independently owned community bank, our loan decisions are made locally by people you know and trust. Our experienced Commercial Lenders live in the communities we serve and stay up-to-date on local market trends and the credit needs of our customers. We offer customized loan solutions for business owners, including:

  • Commercial Real Estate
    • Owner Occupied (purchase, refinance, construction)
    • Non-owner occupied
      • Vacant land
      • Property acquisition & development
  • Inventory / Accounts Receivables
  • Equipment
  • Revolving lines of credit
  • Agricultural
  • Aircraft
  • Working Capital

Contact one of our Commercial Lenders listed below or visit your nearest Citizens Bank & Trust location for more information on applying for a business loan.

Equal Opportunity Lender – Loans Subject to Credit and Underwriting approvals. Other requirements or restrictions may apply. See Lender for details.

Commercial Lending Team

Robert_Loftin

ROBERT LOFTIN

Chief Commercial Officer
NMLS ID# 889746
863-291-3319
Robert.Loftin@citizens-bank.com

Jason_Daniel

JASON DANIEL

First VP, Commercial Lending
NMLS ID# 768529
863-324-4720
Jason.Daniel@citizens-bank.com

Greater Winter Haven

Patrick Fagan

PATRICK FAGAN

First VP, Commercial Lending Team Leader
NMLS ID# 1146226
863-686-1430
Patrick.Fagan@citizens-bank.com
Greater Lakeland/Dade City

Darbi Vanderford-Fulton

Darbi Vanderford-Fulton

AVP, Business Development Officer
NMLS ID# 1752778
813-652-8090
Darbi.Vanderford@citizens-bank.com
Plant City

Brian Marbutt

BRIAN MARBUTT

First VP, Commercial Lending
NMLS ID# 768531
863-676-7631
Brian.Marbutt@citizens-bank.com
Frostproof/Lake Wales

Randy Stolberg

RANDY STOLBERG

First VP, Market Executive
NMLS ID# 805144
813-657-8989
Randy.Stolberg@citizens-bank.com
Brandon/Valrico

Steven Wagner

STEVEN WAGNER

Vice President, Commercial Lending
NMLS ID# 1615298
863-686-1430
Steven.Wagner@citizens-bank.com
Greater Lakeland

Please do not send confidential information when emailing Citizens Bank & Trust staff. 

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.