Business Loans

Business LoansSBA LendingAgricultural Lending

Business Loans

The Citizens National Bank is here to help your business. We offer a wide variety of products to include commercial and agricultural real estate loans, seasonal operating lines of credit, as well as, machinery and equipment financing. These are just a few ways we can help. Let us assist you in implementing your business plan. The Citizens National Bank will assist your business with its’ financing needs. Stop by and visit or call us. We want to help.

SBA Lending

The Citizens National Bank is designated a “Certified Lender” by the U.S. Small Business Administration (SBA). The SBA has many types of programs that can assist Small Businesses. Come talk to us or visit the SBA on line at

Agricultural Lending

At the Citizens National Bank, we are committed to agriculture. With four full service facilities in North Central Kansas conveniently located in Belleville, Concordia, Clay Center and Greenleaf, Kansas. Our customers receive personal service and attention required by today’s agricultural producer. Each loan is individually tailored to ensure our customers receive the flexible and competitive terms their operation needs. We have an array of loan products to offer our Ag borrowers such as:

  • Real estate loans.
  • Equipment loans.
  • Lines of credit for seasonal production and automatic advances on those lines of credit tied to your CNB checking account.
  • FSA Guaranteed Loan Program.  Go to for more information.
  • FSA Beginning Farmer Down Payment Program.  Go to for more information.
  • Kansas Development Finance Authority (KDFA) Beginning Farmer Loan Program.  Go to for more information.