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

Let's start a conversation—we're here to help

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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.

Cash and cash-like transactions, including, but not limited to, cash advances, ATM withdrawals, balance transfers, convenience checks, unauthorized charges, betting track or casino transactions, lottery tickets, money orders, money travelers' checks from nonfinancial institutions, foreign currency cash purchases, bail bonds, debit cancellation charges, and fees of any kind are excluded from earning reward dollars. Reward dollars earned for refused charges will be reversed. There is no cap on the amount of reward dollars that can be earned. All reward dollars earned, redeemed and expired will be determined based on a first-in, first-out ("FIFO") accounting convention.

Merchants are assigned a merchant category code (MCC) based on the types of goods or services they primarily sell. We group similar MCCs into categories to determine which purchases qualify for rewards. We make every effort to include all relevant MCCs in our categories. However, if a merchant's MCC is not included, even if the merchant or some of its products appear to fit the category, those purchases will not earn rewards for that category.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.

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Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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