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.

Loans

Financing for both your short- and long-term needs.

  • Fixed and variable interest rate loans available
  • Full range of terms structured to your situation
  • Asset-based, asset-backed and cash flow solutions
Learn more about commercial business loans

Equipment Financing and Leasing

Buy the vehicles, equipment and other tools your business needs, with no money down.

  • Up to 100% financing for both new and used equipment
  • Flexible, custom-tailored repayment plans
  • Loan or lease terms structured to meet your specific tax or accounting needsD
Learn more about equipment financing and leasing

Lines of Credit

A flexible source of financing you can tap into whenever you need it.

  • Access a flexible borrowing limit
  • Working capital lines of credit
  • Automatic overdraft protection for your business checking account
Learn more about commercial lines of credit

Credit Cards

A convenient way to handle business spending and earn rewards at the same time.

  • Earn cash back or rewards on all of your purchasesD
  • Higher reward rates for categories like office supplies, gas and travelD
Learn more about commercial credit cards

Vendor Financing

Connect your customers with the financing solutions they need.

  • Flexible financing options
  • Real-time status tracking
  • Quick application process
  • Dependable, experienced support
Learn more about vendor financing

International Factoring

Our team provides clients with the capital and peace of mind to run their business operations across the globe.

  • Get import factoring with provided credit protection
  • Get export financing for US companies selling internationally
Learn more about international factoring

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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.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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