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
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Competitive Rates
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Local Processing
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Quick Decisions
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- 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% |
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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
