Let your Business Assets Work for YOU

Commercial Loans

Vehicle and Equipment Loans
If new or better equipment is the key to growing your business, we’re here to help you make it happen.
In any business, it takes equipment to produce and deliver your product or service. Need a fleet of trucks? Bottling machine? A few computers? Whatever it is, our customized loan programs can help you get the gear you need – with payments you can afford.

Construction to Perm
A construction to permanent loan is a loan used to finance the construction of a home. When the home is complete, it converts into a permanent mortgage loan. Another common term for a construction to permanent loan is a single-close loan.
Like a line of credit, with the Construction to Perm ( Permanent) loan you can draw-down on the funds you need, and interest is only charged on the amount drawn.

SBA Lending

  1. Guaranteed by the US Small Business Administration and Longer Terms
  2. Lower Down Payments
  3. Short-term Lending

Church Lending
When you are purchasing, constructing or refinancing a new sanctuary, fellowship hall, school, child care facility, community center, major renovations or repairs, preparation for obtaining the needed capital is the key to success. And understanding how your church is measured by banks or other lending institutions will give you the best opportunity for approval.


To learn more information or to speak with one of our Commercial Lending professionals at 404.575.8264 or CONTACT US

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Business Loans

Turn Opportunity into reality with a business loan from Citizens Trust Bank.
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VISA® Classic Business Credit Card

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Investments and CDARS

Reach further. Grow your business – Start Here.
Get started with the Citizens Trust Bank Small Business Checking Account or find the right investment solutions for your business. Simplify your daily operations and manage your cash flow.
CTA button: EXPLORE to the Checking Solutions page about the Commercial Money Market Account and Sweep Accounts

CDARS® is one of the safest and smartest investment vehicles for investors looking to protect their large-dollar investments while earning CD-level returns that may compare favorably to Treasury and money-market-fund yields.

CDs placed through CDARS offer investors (individual as well as institutional investors, such as corporations, foundations, and endowments):
— Access to multi-million-dollar FDIC insurance
— Earns one rate per maturity, and receiving consolidated statements
— Ongoing collateral tracking
— Daily compounding; and
— A finite maturity date vs. auction-rate or some adjustable-rate securities).

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We're here for you

To learn more about the Citizens Trust Bank commercial lending options Contact a commercial lending professional at 404.575.8264.