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.

  • Fixed and variable interest rate loans available
  • Terms up to 20 years, structured to your situation
  • No maximum limit for secured commercial property 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—typical terms up to 5 years
  • Loan or lease terms structured to meet your specific tax or accounting needsD

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

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
business credit line sweep

Work your money overtime

Use excess cash to generate investment returns and help reduce debt or interest charges on your line of credit with Business Credit Line Sweep.
Purchasing Card

Control business expenses

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

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.

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