As a community bank we are committed to the growth and prosperity of business in our community. We offer many types of specially designed loans for corporations, partnerships, churches and community organizations. Small business owners can feel confident in the lending expertise at First Citrus Bank.

• Commercial Real Estate Loans
• Construction Loans
• Working Capital
• Equipment Purchases
• Accounts Receivable
• Lines of Credit
• Letters of Credit
• Acquisition Financing

First Citrus Bank also participates in the SBA 504 loan program.

The SBA 504 Program: Financing for small businesses to acquire real estate or equipment for businesses acquiring fixed assets for growth or upgrade.

Advantages of a SBA financing include:

• Equity requirement as low as 10% for most projects
• Long term fixed rates (20 years for real estate, 10 years for equipment)
• Below market fixed rates
• Reduced fees as a result of recently passed legislation