Lines of Credit

First Citizens has lines of credit to meet the needs of your business. We work with you to determine the nature of your credit needs, and provide you with the line of credit that empowers you and your company to get business done.

We can finance the cyclical buildup of current working assets that your company needs until those assets can be converted to cash. And many of our credit lines allow you to borrow funds, repay them and borrow them again. This arrangement gives you a stated balance due date, or the option of converting the balance into a term loan.

With Capital Line, Capital Manager, or Business EquityLine, you can simply write a check to meet short-term or seasonal needs for supplies or other, unplanned expenses. By linking a line of credit to your business checking account, these lines protect against overdrafts. Add the cash management sweep option to automatically pay off the line of credit based on your daily cash position. For credit lines less than $5,000, we offer Business Checkline Reserve—our most basic line of credit that offers overdraft protection for a small business.

Apply online for Business Checkline Reserve