Small Business Lending

Ready to Grow? We're Ready to Help.

Flexible Financing Options to Fuel
Your Small Business Success

At Civista Bank, we understand that small businesses are the backbone of our local communities—and we’re here to help yours thrive. Whether you're upgrading equipment, adding a company vehicle, or managing cash flow, our limited-time small business loan offers provide smart funding with real support.

Special Offer: Limited-Time Business Loan Rates

We’re making it easier than ever for qualified small businesses to access affordable financing. For a limited time:

Equipment & Vehicle Loans
- Rates as low as 4.99% APR*
- Loan amounts from $10,000 to $150,000
- Terms available: 36 or 60 months

Secured Business Line of Credit
- Introductory rate as low as 7.50% APR* for the first 6 months
- Loan amounts from $10,000 to $75,000
- Must be secured in 1st lien position to qualify for promotional rate

How to Qualify

To be eligible for our Small Business Lending Offer, your business must:

Qualify as a Civista Small Business with less than $5 million in annual gross revenue¹
Open or maintain a Civista business checking account
Set up automatic loan payments from your Civista account
Be requesting new money only (no internal refinances or renewals)

Why Choose Civista?

Because growing your business takes more than just capital—it takes a banking partner who believes in your vision.

Local decision-making and fast approvals
Tailored guidance from our dedicated business bankers
Flexible financing solutions that align with your goals
Deep community roots and a commitment to your success

Don’t Miss Out—Let’s Get Started

This special small business lending offer won’t last forever.

Whether you’re just getting started or looking to take your business to the next level, Civista is here to help.

Visit a local Civista Branch to Apply

Empowering Local Businesses Every Step of the Way

Civista Bank proudly supports small businesses across our communities. With custom lending solutions, personal service, and digital tools to help you manage your finances, we’re here to build long-term relationships that grow with you.

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Disclosures:

*Annual Percentage Rate (APR) and terms are subject to change. Rates vary based on creditworthiness, collateral, and other factors. Tier 1 credit required for promotional rates. Additional terms and fees may apply. Offer valid for a limited time. See a Civista Business Banker for full details.

1. Offer 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 (7.50% APR as of 4.7.25) 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.