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Commercial Loans

From small businesses to large companies, Citizens National Bank will structure a loan to fit your business’s needs. All loan decisions are made in your hometown, not in another state, which gives us the flexibility to offer products that suit your financial condition and cash flow needs.

We offer loans for expansion, new equipment, accounts receivables, commercial real estate, lines of credit, and investment opportunities.

 

Real Estate Loans

Citizens National Bank now offers an in house home loan that could save you thousands of dollars in closing costs. This new loan product is a great alternative to paying higher fees recently added by national mortgage agencies. With this loan, there are no points and various terms available.

 

Construction Loans

When building a custom home, investment property, or commercial building, a construction loan is often necessary to meet the extended time frame and special needs of the building process. Our residential home loans have a construction term of 9 months with an additional 90 days to complete construction if needed. Commercial projects have a term of 12 months with an additional 90 days for completion, if necessary.

 

Bridge Loans

A bridge loan is best suited to the customer who finds their dream home but has not sold their current home. We work with the customer to help make that dream home a reality! We can do 100% financing for the new home by using the equity in their current home until the house sells. These loans are structured for 12 months with interest monthly. At the time of sale, the customer would need to decide on a permanent financing option which we may provide to them.

For more information on any of these products, contact our Commercial Lending Department and Branch Managers at 606-679-6341.

 

Lender

Phone

Location

NMLS #

Shawn DaughertyExt. 2285Main Office663092
Cindy KerrExt. 2215Main Office451472
Celeste LogsdonExt. 2213Main Office451471
Dawn CorrellExt. 2291Main Office422316
Rob ClaunchExt. 2223Main Office980448
Joel HensleyExt. 2270Main Office504129
Patricia BranscumExt. 1202Plaza Branch454266
Hope BryantExt. 1200Plaza Branch1476150
Gracey HallExt. 1400Waitsboro Branch1188208
Michelle JohnsonExt. 1700Nancy Branch451474
Karen OwensExt. 1500Burnside Branch451465
Brian DuncanExt. 1800Science Hill Branch940064
Allen RankinExt. 1900Monticello Branch451463
Cy HutchersonExt. 2400Nicholasville Branch610111
Joe WilderExt. 2401Nicholasville Branch588413
Regena HintonExt. 2500Russell County Branch768707
Julie CoeExt. 2501Russell County Branch1477170

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