Our working capital needs calculator will help you determine how much of a small business loan or line of credit you should apply for to cover working capital needs for the next year. Simply enter your desired annual growth rate, current assets, and current liabilities, and your target current ratio to find out what you need.
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Business Financing
Experience the speed and simplicity of the Citizens Bank VantageLinkTM online application
Get a business loan or line of credit up to $150,000 in 2-3 days.
Business Line of Credit
Business or Equipment Flex Loan
Business Term Loans
Business Mortgage
Business Line of Credit
Access funds for short term uses such as purchasing inventory, paying accounts receivables, or managing seasonal needs.
LEARN MOREBusiness or Equipment Flex Loan
Flexibility to finance various assets such as equipment, vehicles, or machinery with a short-term line of credit that turns into a term loan.
LEARN MOREDetermining your financing needs
Business loan calculator
As you're exploring financing solutions, this calculator can help you forecast your debt service coverage. This will help you determine whether you can currently afford the additional debt needed to boost your business.
Business credit cards
Whether you want to be rewarded for purchases or are looking for a low rate card, Citizens Bank's Business Credit Cards offer a convenient way to make everyday purchases while improving your cash flow by extending the time between making purchases and paying for them.
Custom business financing solutions
Every business is different. We’d like to partner with you to understand your needs so we can help customize a business lending solution for you now, while also proactively helping you plan for the future. Simply answer a few questions, and we’ll contact you to discuss your best financing options.
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Clearly Better Business Checking®
A simple checking account for small businesses with no minimum monthly balance and no monthly maintenance fee.
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Any Amount
Minimum balance to open
$0
Monthly maintenance fee
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Thank you for your interest in Citizens Bank
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11?state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit:
CitizensOne.com