Specialty Financing

We understand that every industry is unique.

We understand that, like each business, every industry has unique financial requirements and challenges. That's why we take a personalized approach, combined with industry expertise, to become a true partner for growth. We're specialists in a few industries, including:

Agricultural Lending

Our dedicated Ag Lenders understand the day-to-day challenges of farming in Indiana because they're farmers too.

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Veterinary Practice

By providing tailored solutions, we help clients achieve their dreams of practice ownership.

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Small Manufacturing

We can help you put together a capital program that will help you reach your financial goals.

 

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Private Education and Childcare

Our lenders understand the unique challenges presented by running a for-profit school or childcare center.

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Dealer Financing

We have the solid lending programs, competitive rates and flexible terms your customers expect. We work quickly so you can move inventory quickly. 

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Business Checking and Savings Accounts

Treasury Management Services

Business Digital Banking Tools

Agricultural Lending

Our dedicated Ag Lenders understand accessing capital is just one of the many challenges facing Indiana farmers. We have a history of providing capital for land purchases, day-to-day operating expenses, equipment upgrades, or refinancing/consolidating existing debt. We know Central Indiana and have the flexibility to work with you to create the financial solutions you need.

agricultural financing

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Download Switch Kit for Ag Business

Financing Solutions

fmac-approved-lender-high-res-no-bkgd

Banking Solutions

Loan Application Checklist

Veterinary Practice

Over the years we've helped numerous veterinarians buy, build, equip, expand, and refinance practice debt. By providing solutions tailored to individual business needs, we've helped them achieve their dreams of owning their practice.

Veterinarian with patient

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Financing Solutions

  • Commercial mortgages
  • Business Visa© credit card
  • Equipment financing/leasing
  • Operating lines of credit
  • SBA Loans

Loan Application Checklist

Banking Solutions

Small Manufacturing

We take pride in funding Indiana's makers, and our Relationship Managers can tailor a working capital program so your business can purchase equipment, refresh inventory, upgrade technology, purchase materials or expand operations. Allow us to put our knowledge and experience to work for you.

workers in small manufacturing facility

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Financing Solutions

  • Commercial mortgages 
  • Operating lines of credit
  • SBA Loan Programs
  • Equipment financing/leasing
  • Business acquisition or partner buy-out
  • Debt refinance

Loan Application Checklist

Banking Solutions

Private Education and Childcare

While running a school or childcare center for profit is similar to owning any other kind of small business, the industry does present a unique set of challenges. Our Relationship Managers understand, and they have the expertise to help.

Young children in private classroom

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Financing Solutions

  • Business acquisition or partner buy-out
  • Real estate construction, acquisition, or renovation
  • Bond issuing
  • Working capital
  • Equipment purchase/lease and installation
  • Debt refinance

Loan Application Checklist

Banking Solutions

Dealer Financial Services

Our team will work with you to learn your unique circumstances so we can offer the best solutions to optimize cash flow and help you reach your financial goals.

Dealer helping client buy a new car

 

We understand the unique challenges faced by automotive dealers, that's why we provide solid lending programs with competitive rates and flexible terms your customers expect. We work quickly so you can move your inventory quickly. 

When you contact Citizens State Bank, you’ll speak to a Lender who’s empowered to make decisions at the desk, someone who can review more than straight numbers to make deals happen. We offer:

  • Dedicated underwriters empowered to make lending decisions
  • Competitive indirect financing rates
  • Loan-To-Value (LTV) advances up to 100 percent, plus back-end products
  • Terms up to 75 months
  • Extended buying hours

If you are a dealer who would like to learn more about our indirect lending services, please contact us today.