Business Loans & Credit

We have the financial plan to meet your borrowing needs. First Citizens is here to help whether you need more buying power, extra working capital or money to purchase a new building. We support thousands of small businesses and farming operations through our numerous commercial and agricultural programs.

We’ll help you evaluate the financing options that are right for your business. Some of our credit/loan solutions include:


Business Loans
Flexible rates and terms for your needs – equipment, inventory, real estate and more:

  • Business Start-Up Loans
  • Business Expansion Loans
  • Lines of Credit
  • Inventory Loans
  • Operating Loans
  • Letters of Credit
  • Commercial Real Estate Loans
  • Floor Planning
  • Small Business Administration Loans
  • and more . . .


Agricultural Loans
We offer competitive rates and terms designed to meet the credit needs of farmers, dairymen and other agribusinesses:

  • Crop and Livestock Loans
  • Lines of Credit
  • Machinery and Equipment Loans
  • Real Estate Loans
  • Beginning Farmer Loans
  • Farm Service Agency (FSA) Guaranteed Loans
  • Iowa Ag Development Authority (IASA) Loans
  • and more . . .


Irrevocable Letters of Credit
From time to time, you may need an Irrevocable Letter of Credit to accommodate your business transactions or agreements.  First Citizens has the experience and expertise to assist you.