Working capital can help you manage cash flow

As a business owner, you know how critical cash flow is for keeping business running smoothly. A working capital loan can help by providing the funds you need for purchasing inventory, remodeling, buying advertising and more without tying up your cash or existing lines of credit.

Even better? We have third-party referral sources that may be able to get you a loan up to $10 million that you can use to refresh your business.

Contact us

Fill out the form below, and one of our representatives will be in touch shortly.

Working capital loans are only available to qualified for-profit businesses in the United States.

This product offering is available through referral source relationships, not available through First Citizens Bank branches. First Citizens Bank may receive a referral fee from the third-party lender. If originated, it will not be serviced at a First Citizens branch.

  • Financing details will be available online separately from First Citizens Digital Banking.
  • Payments will not be accepted at First Citizens branch locations.
  • Working capital is available from $10,000 to up to $10 million.
  • Working capital inquiries should be submitted through the form below.

Working capital snapshot

Ensure your cash flow management practices set your business up for success.

Uses

With an influx of working capital, you could:

  • Purchase inventory
  • Get equipment and technology
  • Improve your temporary cash flow
  • Expand your marketing
  • Supplement working capital

Financing

Rates for working capital loans vary based on requested loan terms and credit review.

Repayment

Working capital loans automatically deduct daily, weekly or monthly payments from your checking account.

Minimum program requirements

The working capital loan is available for businesses that meet the following requirements.

  • US-based for-profit business and in good standing
  • Operating for more than 1 year
  • Annual revenues of more than $200,000
  • FICO score of 600 or higher; subject to change
ServiceMaster Clean Logo

"The working capital we received … allowed for the hire of new employees and enabled us to take on larger insurance repair projects. The working capital loan was easy to use and work with, and I got fast responses."

Michael Bouck
ServiceMaster by Bouck

Not all applicants will qualify for financing. Working capital requests are submitted to a third-party referral source. There is a $10 million maximum loan amount on working capital loans. First Citizens Bank does not approve working capital programs or rates. These are owned by the third party and are subject to change at any time.

Subject to credit approval. Working capital loans are referred to a third-party funding source.

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.

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

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