We combine the lending strength of a $21+ billion institution with direct access to senior decision-makers who understand California's economic landscape.
Tailored credit facilities structured by senior California underwriters.
Flexible revolving credit designed to finance accounts receivable, seasonal inventory buildup, and day-to-day liquidity with interest payable only on borrowed balances.
Acquire, construct, or refinance corporate headquarters, distribution warehouses, industrial parks, or medical centers across California.
Upgrade manufacturing machinery, automated packaging lines, agricultural harvesters, or specialized tech hardware without draining working reserves.
As an SBA Preferred Lender, Citizens Business Bank has delegated authority from the U.S. Small Business Administration to approve loan requests directly in-house, bypassing lengthy federal delays.
Financing up to $5,000,000 for working capital, business acquisition, partner buyouts, debt refinancing, and equipment.
Long-term, fixed-rate financing for real estate purchase or construction with as little as 10% down payment from the borrower.
Enterprise tools engineered to accelerate receivables, optimize disbursements, and protect corporate treasury against unauthorized transactions.
Match presented checks and ACH debit requests against your authorized issuance file before funds leave your account, stopping fraudulent checks instantly.
Execute domestic and international wires with multi-token dual-authorization workflows and real-time confirmation notifications.
Scan high-volume customer checks straight from your office desk with encrypted desktop scanners, extending cut-off times to 6:00 PM PST.
Next-day funding for Visa, MasterCard, Amex, and Discover with integrated Point-of-Sale hardware and contactless mobile readers.
For more than four decades, Citizens Business Bank has been California's premier agricultural lender. From the San Joaquin Valley to the Central Coast, our ag specialists live in your community and understand the rhythms of agriculture.
Milking facilities, herd expansion credits, and automated feed system financing.
Almonds, pistachios, table grapes, and wine grape development loans.
Tell us about your business goals and a senior relationship officer will follow up within 24 hours.