Commercial Lending

Making opportunities happen.

Your Business Is Our Business

That’s why you can count on Civista Bank to bring creative solutions and prompt answers to your business needs. From financing your next opportunity to managing your cash flow with more ease, our experienced commercial lenders are focused on your company’s ongoing success and the growth of the communities we call home.

Trusted Solutions

We offer a variety of financing solutions available for your business needs.

Term loans and lines of credit options for:

Investment real estate
Purchasing equipment, inventory, vehicles, and owner-occupied real-estate
Refinancing existing debt
Working capital
Cash flow management

Leasing & other finance options for equipment & software

Master Lease Lines of Credit
Operating Leases
Fair Marketing Value (FMV) Leases
Capital Leases
Terminal Rental Adjustment Clause (TRAC) Leases
Commercial Finance Agreements

Commercial equipment leasing options are available through our leasing company, Vision Financial Group (VFG). Our team of experts has been creating affordable and flexible lease financing for businesses of all sizes since 1991.

Talk to a Civista Banker

Learn more about
VFG Leasing & Finance

Experience you can bank on

We’ve been helping businesses grow for over 135 years. At Civista Bank, you’ll find talented and experienced lenders who are active community business leaders with a broad range of industry knowledge and financial expertise. Your lender is personally involved throughout the entire lending process, providing you a single point of contact.

You’ll have access to executive leaders who are interested in learning about your business and the challenges you may be facing in the market.

Together, our team is committed to building life-long relationships.