Business Banking / Business Lending

Business Lending

Business lending the way it used to be with fast, local decision making. As "Your Partner in Banking," we believe we should provide you with the necessary advice to grow your business and bottom line.  We do this by staying in constant contact with our customers, getting them business whenever possible.  Our business bankers provide advice and support before, during and after your financing needs are met.  Our knowledgeable staff provides service and support throughout the entire lending process that exceeds the customer's expectations.  We're not just a bank - we're part of your business!

We provide a variety of loan products to meet your specific financing needs:

Real Estate Loans

Citizens State Bank offers competitive rates for real estate loans to purchase, construct, refinance or renovate your property.  We provide financing for all types of commercial real estate including owner occupied, investment and residential income properties. The terms we offer are flexible to adapt to your specific needs.  Our knowledgeable business bankers assess the local market to help you make the best financial decision for yourself and your business.

Lines of Credit

We offer revolving lines of credit to our business customers for short-term working capital and seasonal financing needs. These variable rate loans allow our customers to borrow funds, repay the balance, and borrow again when again when more cash is needed to help the business prosper.

We can also provide Letters of Credit, which can be used by our customers as collateral to facilitate various business transactions.

Term Loans (Equipment, Vehicles, Working Capital, etc.)

Citizens State Bank offers term loans for a wide variety of uses, such as purchasing or refinancing equipment, machinery or vehicles.  Term loans can also be used for the short, medium or long term working capital needs of your business.  Our rates are competitive, and terms are flexible to meet your needs.

SBA Business Loans

SBA loan programs provide government assistance for businesses to help facilitate credit or provide long term, fixed rate financing options that otherwise would not be available with traditional bank financing.  SBA loan programs can be used to secure financing for a variety of business needs, including real estate, leasehold improvements, working capital, equipment, business acquisition, inventory and more.  Citizens State Bank works with a variety of SBA Loan Programs to meet the specific needs of our customers.

Business Bankers

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Back row: Jake Sharon, Jesse Storandt, Jared Leis, Mike Stangl, Nick Skibba
Front row: Mariah Langrehr, Chad Hill, Kevin Friederichs, Dennis Vogel

Clayton / Eau Claire

La Crosse / Onalaska

(715) 832-2265
Kevin Friederichs
Nick Skibba
Jared Swyter
(608) 785-2265
Shaunna Mueggenberg
Mariah Langrehr
Jared Leis
Nick Skibba
Mike Stangl
Jesse Storandt