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Grow Your Business

Commercial Loans That Fit Your Business

Our commercial lenders have over 100 years of collective experience. That’s some serious know how. What’s more, they leverage all of it to make sure their customers (that’s you) get the right loan for their needs.

Whether it’s for an office expansion, new equipment, or any other need, we have the commercial loans to fit your business.

Real Estate & Construction

Need space to grow your business? Citizens Bank commercial real estate loans are perfect to finance your expansion and at Citizens we custom fit the loan to meet your needs. Since 1931 we've helped Central Indiana businesses build every type of building, from corporate headquarters to storage units to hotels to warehouses.

To find out more about how Citizens Bank’s team of Commercial lenders can help you grow your business, contact us online or call us at 317.831.0110.

Lines of Credit

Does your business have cycles or seasons when cash is heavy and others when cash is thin? Are you expanding and need to fill the gap in funding? Our Commercial lines of credit offer the ultimate in flexibility so your business can meet its needs and help you sleep better at night.

To find out more about how Citizens Bank’s team of Commercial lenders can help you grow your business, contact us online or call us at 317.831.0110.

Letters of Credit

Trust but verify.  It’s an old saying but one that rings true even today.  If you are working with a business where you want to guarantee performance or if you are being required to supply a Letter of Credit, Citizens Bank is the right community bank to engage.  While not required often, Letters of Credit require a higher level of expertise and our over 100 years of Commercial lending experience fits the bill.

To find out more about how Citizens Bank’s team of Commercial lenders can help you overcome the barriers that may keep you from a very profitable job, contact us today.

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Leases

Need equipment but do not want to tie up your own cash? Citizens Bank’s leasing program is a perfect solution for you.  With options that can include little-to-no money down and owning the equipment once the lease is finished, working with us you can gear your business up much faster while preserving your hard earned cash for a rainy day.

Contact us today to find out more about how Citizens Bank’s team of Commercial lenders can help you outfit your business in the most cost effective way.

Startup & Expansion

Our Commercial Lenders are well versed in all the tools to help your fledgling business grow.  With over a hundred years of combined experience in SBA programs like 504 or 7A, we can help you pull together the resources you need to take your business to the next level.

Contact us today to find out more about how Citizens Bank’s team of Commercial lenders can help you understand what it takes to secure funding for your growing business.

Cash Management

Your cash should work as hard and as smart as you do.  Using Citizens Bank’s suite of treasury management products we can help you streamline your receivables and payables, make payroll simpler, and help protect your account from fraud.

See how Citizens Bank’s treasury management team can help you take control of your cash reserves:

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Business Credit Cards

Take control of your organization’s spending with Citizens Bank’s suite of Business Credit Cards.   From the simple need of having a credit card in the name of the business to the more complex of having hundreds of cards with individual limits and controls in place to limit how much and where company resources can be spent, we have the solutions you need to take care of your everyday cash spending needs.

See how Citizens Bank’s business credit cards can offer you the solutions you need:

Equipment and Vehicle

Specialized vehicles take specialized knowledge and expertise. At Citizens Bank our team of Commercial Lenders has the skills and experience to make your equipment purchase much easier. From schools busses, to combines, dump trucks, to heavy duty trucks, Citizens Bank is your one stop shop for all of your vehicle needs.

Find out more about how Citizens Bank’s team of Commercial lenders can help you own the equipment or vehicles your business needs:

Meet Our Commercial Team

John Purdie

Senior Vice President 317-834-5214 jpurdie@citizens-banking.com

Don Goeb

Vice President, Senior Commercial Lender 317-831-9633 dgoeb@citizens-banking.com

Steve Kaiser

Vice President, Commercial Loan Officer 317-451-5242 skaiser@citizens-banking.com

Melissa Duke

Vice President, Commercial Loan Officer 317-497-5941 mduke@citizens-banking.com

Jay Speckman

Vice President, Commercial Loan Officer (317) 584-5744 jspeckman@citizens-banking.com
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  • With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.
  • A traditional IRA allows you to direct pre-tax income toward investments that can grow tax-deferred until your retirement. You cannot contribute after age 70 ½ and distribution is required at that age.

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