Small Business Advantage
Line of Credit

Why Apply For a
Small Business Advantage
Line of Credit?

Increase your cash flow

Line amount from
Interest rate as low as
Prime + .50%
Revolving with annual renewal
$250 processing
+.50% of amount financed
$150 Annual Reaffirmation Fee

A line of credit is a great way to take advantage of special opportunities within your business model, such as buying supplies in bulk, using the funds as a bridge between billing and accounts receivable payments. Support ongoing operational expenses with a line of credit, typically secured by a blanket lien on business assets, or a mortgage on owner-occupied business real estate. Our secured line of credit features revolving loan terms with annual renewal, no cash advance fees, and no interest charges until the funds are accessed.

To get started, visit the office nearest you or complete the short form, and one of our Small Business Advantage Bankers will contact you directly.


  • Minimum two (2) years in business under existing ownership
  • Maximum $3,000,000 in gross annual sales

Equal Opportunity Lender - Loans Subject to Credit and Underwriting approvals. Other requirements or restrictions may apply, such as insurance and appraisals. See Lender for details.
*Other fees may apply, such as appraisal, filing or other third-party fees.

Loan Calculator

*Calculations are based entirely on the information you enter and are for illustrative and educational purposes only.

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.