Agricultural Loans :: Business Banking :: Citizens National Bank of Paris

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Agricultural Loans

Citizens National Bank has been an agricultural bank for over 100 years. Our officers have over 50 years of agriculture lending experience. In that amount of time, we've seen every type of market fluctuation imaginable. We have a team of knowledgeable and dedicated professionals that make sure you get the financing you need to grow and profit.

We believe agriculture has a bright future, and we're dedicated to helping your farm succeed in the rapidly changing world economy. Whether you need to acquire more land, add equipment or plan your operating cash flow, Citizens National Bank is here for you.

CNB Agriculture Operating Line of Credit

We can develop loans to meet your cash needs.
A revolving line of credit allow the flexibility to borrow up to a ceiling amount and pay back and borrow part or all of the loan as many times as you need before the maturity date of the loan.
Access to your line of credit is as easy and convenient as writing a check on your CNB business checking account.
You only pay interest on the funds you actually borrow for the time period the funds are used.
You and your Business Banking Officer tailor every loan feature - advance agreement, interest rate term, and repayment plan - to specifically meet your needs.

To apply for a CNB Agriculture Operating Loan or request more information, contact your Business Banking Officer, or email us.

CNB Agriculture Term Loan

Our experience in agriculture lending and knowledge of your farm help us deliver premier quality personal service.
CNB Agriculture Term Loans are planned keeping in mind the payment frequency that meets your needs, the useful life and the anticipated cash flow of the equipment or other assets being acquired, and your farm operating plan.
You choose the interest rate re-pricing frequency based on your farm's sensitivity to interest rate changes.

To apply for a CNB Agriculture Operating Loan or request more information, contact your Business Banking Officer, or email us.

CNB Agriculture Real Estate Loan

A Business Banking Officer will help you compare your current financing with our farm real estate loan and help you evaluate a purchase and its potential effect on your farm operation's liquidity, debt load, profitability and efficiency.
No two loans are exactly the same, so we design the term, the repayment plan, and the interest rate structure to fit your farm's specific situation.
However, some elements of each loan are the same:
- You choose the re-pricing frequency which suits your purpose best,
- You have the security of knowing that your loan has no balloon or required refinancing interval, and
- You will always receive a prompt professional response.

To apply for a CNB Agriculture Real Estate Loan or request other information, contact your Business Banking Officer, or email us.

Special Agriculture Lending Programs

Special situations call for special assistance. CNB has been able to harness the value of government programs to help our farm customers reach their goals. Government guarantee programs generally allow the lender to make loans to proven customers on interest rates, repayment terms, or in amounts that their specific situation may not otherwise justify. They also provide additional repayment assurances enabling the bank to approve some loans to new or unproven customers. Special interest rate programs help the bank provide discounted interest rates to eligible borrowers for special qualifying projects. To learn more about these programs and find out if your farm will qualify, contact your Business Banking Officer, email us, or visit the program web site yourself.

Special interest rate programs

Government guarantee programs

See our Business Loan Application Checklist to learn what you will need to start processing your CNB loan application.