Credit & Financing
The financial tools you need to power your business
A partnership built on knowledge
With over 100 years of experience, our insightful commercial bankers help you prepare for your business's changing needs. First Citizens offers a variety of credit and financing options—all designed to meet your short- and long-term goals.
Financing for both your short- and long-term needs.
Equipment Financing and Leasing
Buy the vehicles, equipment and other tools your business needs, with no money down.
Lines of Credit
A flexible source of financing you can tap into whenever you need it.
A convenient way to handle business spending and earn rewards at the same time.
Let's start a conversation—we're here to help
Work your money overtime
Control business expenses
Explore new opportunities
Account openings and credit are subject to bank approval.
Purchases are defined as gross retail purchases less any returns or credits.
Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.
The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.