Commercial Line of Credit

Flexible financing ready to meet you wherever you are

An Ongoing Source

Borrow, repay and then borrow again whenever you want.

Immediate Access

Write checks to instantly access your borrowing limit.

Get Overdraft Protection

Link to your First Citizens business checking account for automatic overdraft protection.

Know money is available when you need it

When you need a hand

Through First Citizens commercial lines of credit, you can borrow money over and over again to handle periodic needs. After qualifying, your business will receive a maximum borrowing limit for the line of credit.

There for you again and again

You can then borrow up to the limit, pay off the loan and borrow again as often as you want—there's no need to complete another application. After you qualify, you have immediate access to your line of credit and can use it to write checks, cover bank account overdrafts and spend at your convenience.

A variety of options

First Citizens offers multiple options for commercial lines of credit. The most basic goes up to $10,000, but there are other options with larger limits. Our representatives will go over your situation to find the right program fit.

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.

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