Credit & Financing

The financial tools you need to power your business

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


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

  • Fixed and variable interest rate loans available
  • Terms up to 20 years, structured to your situation
  • No maximum limit for secured commercial property loans

Lines of Credit

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

  • Immediate access to a flexible borrowing limit
  • Basic line of credit up to $10,000
  • Automatic overdraft protection for your business checking account

Equipment Financing and Leasing

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

  • Up to 100% financing available for both new and used equipment
  • Flexible loan terms from 3 to 5 years
  • Structured terms to match your taxD and accounting needs
Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.

Account openings and credit are subject to bank approval.

Qualifying 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.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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