Citizens Bank

Listed

Bank for equipment financing and business lines of creditProvidence, Rhode IslandBased in Rhode Island; service area not yet provided

BBLL 000743Listed Oct 2026From public recordsLast checked Oct 31, 2026

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About

Citizens Bank offers term loans, revolving credit and Hybrid Flex financing that converts an initial draw period into a term loan. Published business-banking availability is regional.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Equipment financing Business lines of credit Term loans

From the lender's own site and public records.

A second look at Citizens Bank

Citizens Bank offers term loans, revolving credit and Hybrid Flex financing that converts an initial draw period into a term loan. Published business-banking availability is regional.

Direct lender: Citizens Bank, N.A.; distinguish it from unrelated banks using Citizens in their names.

Published by Levr, not by Citizens Bank. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business Term Loan

Streamlined amount: Loans up to $250,000 qualify for the express lending process; the bank invites discussion of larger needs.
Term and rate: Up to five years/60 months; fixed or variable rate options.
Timing: Advertised 2–3 days refers to decisions on requests up to $250,000; it should not be treated as unconditional funded cash.

Provider sources: Term loan

Business Line of Credit

Use and structure: Revolving working capital; interest only on used funds, with annual review and renewal.
Annual fee: $150 for limits below $100,000; $250 at $100,000 or higher.
Access route: VantageLink advertises streamlined loans or lines up to $250,000; larger needs require a banker.

Provider sources: Credit line

Hybrid Flex Loan

Amount and use: Up to $1 million for multiple asset purchases or leasehold improvements over time.
Draw and repayment: Six- or twelve-month draw period with interest-only payments, then conversion to a fixed-rate term loan.
Fees and security: No annual fee; a security interest may be required.

Provider sources: Hybrid Flex

Service area and eligibility

Published footprint: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, D.C.
Underwriting: No numerical credit-score, time-in-business or revenue minimum was established from these product pages. Individual approval applies.

Provider sources: Business lending overview

When it may fit

Our assessment of the published programs

A useful regional bank comparison for working capital or staged equipment purchases that will generate cash after installation.

What to weigh carefully

Annual review can affect future line availability.
Hybrid Flex interest-only payments are temporary; request the later principal-and-interest schedule.
General educational revenue examples are not Citizens product eligibility thresholds.

Questions before you accept an offer

Is my business location eligible for this product?
What collateral and owner guarantees apply?
What are the rate, origination fees and early-payoff charges?
For Hybrid Flex, when is the fixed rate set and how large are payments after conversion?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Chase

Compare Chase term loans and revolving facilities.

PNC Bank

Compare PNC conventional bank financing and repayment structures.

The lender

Type: Bank
Legal name: Citizens Bank, National Association
Founded: 2005
Charter: Not yet provided Add it
Headquarters: Providence, Rhode Island
Service area: Based in Rhode Island; service area not yet provided
Meets in person: Not yet provided Add it
Languages: Not yet provided Add it
Program approvals: Not yet provided Add it
Also lends to consumers: Not yet provided Add it
Website: citizensbank.com
LinkedIn: Not yet provided Add it

Loan officers at this lender

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Request contact

Tell us what your business needs. Our team reviews your request before arranging the next step.

Charter and approvals

FDIC certificate, 57957Record

Each one links to its official record.

Location

Based in Rhode Island; service area not yet provided.

Sources: FDIC BankFind institution record (Oct 31, 2026), FDIC financial report, June 30, 2026 (Oct 31, 2026), Official provider or regulatory record (Oct 31, 2026), Official provider or regulatory record (Oct 31, 2026), Official provider or regulatory record (Oct 31, 2026), Official provider or regulatory record (Oct 31, 2026).

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