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Business Lending

Move quickly with lending solutions designed for the way small businesses operate — simple, accessible, and backed by a team that knows your goals.

Flexible Financing Fuels Your Success

As a community-first institution, we know how important accessible financing is to our small business partners. We’re here to support your growth with custom lending solutions, personal service, and digital tools that make managing your business finances easier.

Experience streamlined decision-making and individualized guidance from our dedicated small business lending team.

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Flexible Financing Fuels Your Success

Limited-time Business Loan Rates

Take advantage of limited-time rates on equipment, vehicles, and working capital to help your business plan for what's next.

Equipment and Vehicle Loans

  • Rates as low as 4.99% APR*
  • Loan amounts from $10,000-$150,000
  • 36-month & 60-month terms available

*Annual Percentage Rate (APR) and terms are subject to change. Rates vary based on creditworthiness, collateral, and other factors. Additional terms and fees may apply. Offer valid for a limited time. See a Civista Business Banker for full details.

Equipment and Vehicle Loans

Secured Business Line of Credit

  • Introductory rates as low as 6.75% APR* for the first 6 months
  • Loan amounts from $10,000-$75,000
  • Must be secured in 1st lien position to qualify for promotional rate.

*Annual Percentage Rate (APR) and terms are subject to change. Rates vary based on creditworthiness, collateral, and other factors. Additional terms and fees may apply. Offer valid for a limited time. See a Civista Business Banker for full details.

Secured Business Line of Credit

A Straightforward Path to Funding

To qualify for small business financing, your business must:

  • Have less than $5 million in annual revenue1
  • Open and maintain a Civista Business checking account
  • Set up automatic loan payments from your Civista account
  • Submit your request for new financing (internal refinances and renewals are not eligible)
A Straightforward Path to Funding

1Offer available for a limited time and may be changed or withdrawn without notice. Available to qualifying small businesses with less than $5 million in annual revenue and less than $1 million in total relationship exposure with Civista Bank. New money requests only; internal refinances or renewals not eligible. To qualify, businesses must have or open a Civista business checking account and set up automatic loan payments from that account. Subject to credit approval.

Promotional Rates: Equipment & Vehicle Loans: As low as to 4.99% APR* with Tier 1 credit and ≤80% loan-to-value (LTV). Add 0.50% if LTV >80%. Loan amounts: $10,000–$150,000. Terms: 36 or 60 months.

Secured Business Line of Credit: Lowest intro rate is Prime (6.75% APR as of 12.11.25) for 6 months (Tier 1 credit), then Prime + 1.00%. Loan amounts: $10,000–$75,000. Must be in 1st lien position to qualify for promotional rate.

APR and terms subject to change. Rates vary based on credit, collateral, and other criteria. Additional terms and fees may apply. See a Civista Business Banker for full details.

Ready to Explore Your Financing Options?

Connect with our small business lending team at your nearest Civista Bank location to get started. 
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Ready to Explore Your Financing Options?
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