Small Business Advantage
Real Estate Loans

Why Apply For a
Small Business Advantage
Real Estate Loan?

Buy, refinance or use your equity

Loan amount from
Interest rate
Competitive Interest Rates
Loan terms up to
10 years

(25-year amortization)

$250 processing
+.50% of amount financed

Purchase the owner-occupied commercial property your business needs, or leverage your equity to expand or remodel as your business grows.

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.