Financing & Leasing

Grow your commercial real estate business

Vehicle Financing

Get repayment terms up to 5 years and 100% financing on vehicles and tractor-trailers.

Vendor Financing

Provide financing options for your customers and we'll handle the paperwork.


Adjustable-Rate Loans

We offer flexible loans with 15- to 20-year terms on any amount above $250,000.

Helping business owners succeed

Location is everything

First Citizens knows that location is everything, so we offer options to help you purchase your space. Our experienced bankers will work closely with you to create the loan that's right for your company. 

Finance your fleet

Businesses operating a fleet of vehicles from 10 to 100 units can take advantage of specialty truck, tractor and trailer financing. Get up to 100% financing for leases, with only the first and last payment typically due at closing. Lease rates for equipment and vehicles are commonly lower than commercial finance rates.

Offer financing to your customers

If you are an equipment dealer, you can also offer vendor financing directly to your customers through First Citizens. With this service, you can accept applications from your customers, generate quotes online and receive approval for financing within hours. We handle the paperwork and offer competitive rates so you can close even more sales.

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.