SPECIAL SITUATION LOANS

We lend our own money so we can make loans others cannot. We have a variety of loans to strengthen buyer offers and provide solutions in rising interest rate environments.

Life Can Be Unpredictable

Whether that means you’re acquiring a company, experiencing a merger, or entering into an under-served industry;
Citizens State Bank is here for you.

OWNERSHIP TRANSITION

  • Full or limited guarantee from the operating entity necessary

BUSINESS ACQUISITION

  • Small and large loan amounts available
  • Revolving loan terms
  • Quick access time to funds

MERGER INTEGRATION

  • Wide variety of loans
  • Number of plans with low rates and high loan to value (LTV) ratios

PERMANENT WORKING CAPITAL

  • We provide working capital for business funding
  • Flexible terms
  • No credit minimum

UNIQUE INDUSTRIES

  • No credit minimum
  • No minimum time in business requirement

SECURED MEZZANINE

  • Several options for repayment
  • “Payment in kind” available

TURNAROUND BRIDGE FUNDING

  • Loans are available to individuals, trusts, corporations, and limited partnership
  • Single-family, condos, townhomes, multi-family 2-4 units, 1st Trust Deeds up to 80% Loan to Value

Our Lending Team

Royal Oak

Rana Adou

SVP, Commercial Banking
radou@micsb.com
NMLS# 753800

Ontonagon

Ann Lantz

EVP, Market President
alantz@micsb.com
NMLS# 1577167

Try Our Loan Comparison Tools
Loan Comparison Tools

REQUEST FOR CALL BACK

Are you interested in opening a checking account with us? Or maybe you are ready to get the home from your dreams? We are always happy to hear from you. Fill in the form and we will get back to you as soon as possible.

Please do not to put any personal or account information in this form, it is not secure. To ask about specific information about your account, please use Our Secure Form.

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The CSB Difference

Outstanding Service

We thrive by building personal relationships with our clients, we will always put you first.

FDIC Insured

Deposits are FDIC-insured up to the maximum allowed by law, $250,000 per depositor, per bank, per category. Additional bank services are available to maximize your FDIC Insurance coverage. Ask us how!

Full Service Bank

Our collection of products and services rivals that of the big banks.

110+ Years of Service

Our years of experience means that you can count on us.

GET THE MOST OUT OF YOUR PROFITS

Learn about our Business Money Market Account

Business Money Market Account