Own Your Business Space. Build Equity While You Grow.

Ready to build, buy, or refi a commercial property? 

 

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

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.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
Details

Smart Financing for Growing Businesses

A CNB business loan gives you the opportunity to build equity in your business rather than paying rent. With predictable monthly payments, you’ll have the confidence of knowing exactly what to expect each month. We offer flexible terms designed to align with your cash flow, so your financing works with your business rather than against it. Because decisions are made locally, you can count on a faster process and personalized guidance every step of the way. And with competitive rates built for Central Texas businesses, your loan is structured to support long-term growth and stability.


Exclusive rates are available to both new and existing clients who maintain a complete banking relationship with us.


Terms

  • Made for owner-occupied properties; must occupy 51% or more of leasing space
  • Loan 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

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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