SMALL BUSINESS LENDING

Business Loans
and Lines of Credit

Speak with a Citibank Business Specialist about the variety of financing options we offer that are tailored to small businesses.

Lending Solutions for Every Business Need

Whether you want to expand operations, buy commercial real estate or fund expenses like payroll, Citi has the flexible loan choices you’re looking for.

Business Installment Loans

BEST FOR

Financing long-term needs, such as buying equipment or vehicles, with the ease of fixed monthly payments.

LOAN DETAILS

Amounts from $10,000 to $5,000,000

Terms of up to 7 years

Competitive fixed interest rates

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Business Lines of Credit

BEST FOR

Drawing from a line of credit as needed to conveniently access cash for ongoing or unexpected expenses.

LOAN DETAILS

Amounts from $10,000 to $5,000,000

Continuously available, revolving lines of credit

Variable interest rates

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Commercial Mortgages

BEST FOR

Purchasing or renovating a facility your business will occupy, or restructuring an existing mortgage with an improved term or rate.

LOAN DETAILS

Amounts from $250,000 to $10,000,000

Terms of 5 - 20 years, with amortization up to 25 years

Competitive fixed and variable interest rates

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Small Business Administration (SBA) Loans and Lines of Credit

BEST FOR

Businesses seeking longer repayment terms and expedited processing through Citi’s membership in the SBA Preferred Lender Program.

DETAILS FOR LOANS AND LINES

Amounts from $10,000 to $10,000,000

Terms of up to 25 years

Fixed and variable rate options available

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Special Purpose Credit Program — Diversity Lending

BEST FOR

Minority-, women- and veteran-owned small businesses to finance working capital, recurring, seasonal or other expense needs.

DETAILS FOR LOANS AND LINES

Amounts from $5,000 to $250,000

Terms of up to 7 years

Fixed and variable rate options available

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Ready to get started?

Request a call to discuss solutions for your business with a Citibank Business Specialist. If you’re ready to open an account, prepare a few documents and visit your local Citibank branch.

Locate a branch

Take Your Business to the Next Level

Improve Operating Costs

Purchase inventory in larger quantities to reduce cost and drive greater efficiency.

Increase Working Capital

Help your business stay adaptable by keeping funds on hand for new opportunities.

Expand Operations

Invest in your company’s potential by upgrading equipment or purchasing commercial real estate.

Cover Daily Expenses

Stay prepared with a line of credit for payroll, recurring, seasonal or emergency expenses.

What are the differences between loans and lines of credit?

CITIBUSINESS^® PREFERRED PROGRAMS

When opening an account, ask about adding a Preferred Program to get discounts on loans and lines of credit, special rates, waived fees and more.¹

Loan benefit

We’ll waive your origination fees

Line of credit benefit

You’ll receive a 0.25% reduction in the annual interest rate

Commercial mortgage benefit

Up to $5,000 of your origination fees will be waived

See All Preferred Programs Benefits

Services to Support Your Business

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Cash Management Services

Streamline your receivables with our remote or Mobile Check Deposit, CitiBusiness^® Lockbox and more.

View Services

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Payroll & HR Services

²

Simplify running your business with integrated HR, payroll and benefits solutions.

View Services

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Trade Services

Running a global business? Our letters of credit can help simplify import and export transactions.

View Services

Explore More with Citi

SMALL BUSINESS

Overview

SMALL BUSINESS

Banking

SMALL BUSINESS

Credit Cards

How to Open an Account

Prepare your documents

Get the documents you need before you visit the branch.

What to Bring

Visit a branch

Open an account with us by visiting your nearest Citibank branch.

Locate a Branch

Still Have Questions?

Call our customer service specialists

1-877-528-0990

For TTY: We accept 711 or other Relay Service.

We’re available Mon-Fri 7 AM to 11 PM ET and Sat-Sun 9 AM to 5:30 PM ET.

Legal Disclosures and Information

All commercial loans and lines of credit are made by Citibank, N.A., an equal credit opportunity lender, and are subject to satisfaction of Citibank's underwriting and credit approval.

Program Discounts from different Marketing Programs cannot be combined. Customers receive the most beneficial Program Discount for which they are eligible. Business Checking Plus, Healthcare Acquisition Financing, all SBA and Cash-Secured products are not eligible for Marketing Program Discounts.
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Citibank, N.A. is not affiliated with Paychex and does not participate in any way in their delivery of the payroll services or such other services as described. Citibank, N.A. may receive a fee for each client referred to Paychex that enrolls for the payroll services described.
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