Own Your Business Space. Build Equity While You Grow.

Ready to build, buy, or refi a commercial property? Make your move with 6.9%

 

Stop paying rent. Invest in your business’s future with a loan designed for local business owners.

Limited time offer available for a variety of spaces, from healthcare to manufacturing facilities. Competitive rates for the purchase, refinance, or construction of commercial properties. 

 

At CNB, we believe your business deserves a place to grow and thrive. Whether you’re buying your first location or expanding to a larger facility, owning your space helps you build equity, control costs, and strengthen your business’s future. We’re here to guide you through the process with local decision-making, personalized service, and competitive rates.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
Details
  • Build equity instead of paying rent
  • Lock in predictable monthly payments
  • Flexible terms to fit your cash flow
  • Fast, local decisions and personalized guidance
  • Competitive rates for Central Texas businesses

Terms

  • Made for owner-occupied properties; must occupy 51% or more of leasing space
  • Loan amounts from $250,000 to $10,000,000
  • Repayment terms customized to fit your business's unique needs
  • Earn interest on excess balances with a commercial sweep
Fixed Rate Period Term (up to) LTV (up to) Rate Origination Fee
3 Years 20 Years 80% 6.90% 0.50%

Start Your Loan Conversation Today

Additional Terms 

  • Full deposit relationship must be moved to CNB prior to loan closing. Rate subject to change if primary deposits not held at CNB during life of loan 
  • Pre-Payment penalty applies if prepaid within the first 3 years of 3/2/1
  • Origination Fee payable at acceptance of terms and is non-refundable
  • Rates reset at WSJP at adjustment and every three years thereafter
  • Personal Guarantees of company owners required
  • Refinance of current CNB debt not included
  • Cash out refinances limited to 70% LTV
  • Subject to bank’s credit underwriting
  • Auto debit from CNB account required
  • Floor of 5.50%
  • 70% max LTV on cash out on refinance

“The team at Citizens National Bank is truly one of a kind. They have provided excellent service and I can tell they TRULY care about their customers. I was looking for a banking relationship not just a bank. I found that at Citizens and I will be a customer for LIFE.” More Testimonials

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