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Small Business Administration Loans

Grow your business and your community.

Overview

As a small business owner, you play a significant role in your local community, and the national economy. It’s important that business owners like you receive the financing you need to grow your business.

As a preferred lender, First Citizens Bank partners with the U.S. Small Business Administration (SBA) to provide greater financing options for your business. SBA loans can have many advantages over traditional loans, including longer repayment terms, lower monthly payments and lower down payments.

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Account Type SBA 7(a) Term Loan SBA 504 Term Loan
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Ideal For
  • Start your own business
  • Purchase an existing business
  • Buy out a partner
  • Expand current business or expand into a new location
  • Purchase and/or construct new building
  • Improve current leased space
  • Purchase equipment or inventory
  • Business debt refinance
  • Borrow working capital to fund business growth
  • Real estate acquisition or improvement
  • Building construction, renovation or modernization
  • Equipment or machinery purchase
  • Facilities and property improvements including grading, street improvements, parking lots, landscaping and utilities
Maximum Term1
  • Up to 25 years for real estate
  • Up to 10 years for change of ownership
  • Up to 10 years for furniture, fixtures, equipment and leasehold improvements
  • Up to 10 years for business acquisitions
  • Up to 20 years for real estate
  • Up to 10 years for equipment or machinery
Loan Amount2 $50,000 up to $5,000,000 Up to $6,000,000 (for First Citizens portion)
Interest Rates Fixed and variable rates available Fixed and variable rates available
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See how First Citizens has helped business owners like you.

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See how First Citizens has helped business owners like you.

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Questions?

Email us

Or call

1.866.FCB 4BIZ (1.866.322.4249)

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