Skip to main content

Working Capital Finance

Commercial Services. Strengthened.

Welcome to Working Capital Finance

For decades, CIT Commercial Services has helped businesses improve cash flow, unlock liquidity and fuel growth through specialized receivables finance solutions. Today, we're proud to introduce Working Capital Finance, our new division name within First Citizens Bank.

While our name is changing, our commitment to supporting clients remains the same. You'll continue to work with the same experienced team while gaining greater access to an expanded suite of solutions designed to help your business grow.

Your working capital balanced by our experience | First Citizens Bank

Why we're changing our name

As our business has evolved, so have the solutions we deliver. Working Capital Finance better represents our full range of financing solutions and focus on helping businesses optimize liquidity, strengthen cash flow and navigate opportunities through every stage of growth.

Financing That Works With You
Working capital solutions tailored to your business needs

Whether you're looking to accelerate cash flow, increase borrowing capacity or improve supply chain efficiency, our specialists can help.

  • FactoringD

    Accelerate cash flow, improve collections and control exposure to bad debts.

  • Asset-based lending

    Flexible financing is secured by accounts receivables, inventory, equipment and other assets.

  • Supply chain finance

    Strengthen supplier relationships while improving working capital efficiency.

  • International factoring

    Support global growth with financing solutions designed for international trade.

  • Receivables bulk purchase

    Monetize accounts receivable early through an off-balance-sheet financing structure.

More capabilities through First Citizens Bank

As part of First Citizens Bank, you have access to a broader range of financial solutions and capabilities, including:

  • Treasury management
  • Commercial banking
  • Equipment finance
  • Foreign exchange
  • Wealth management
  • Deposit and cash management solutions

Together, these capabilities can help you address financing, liquidity and growth objectives through a single banking relationship.

Working Capital Finance FAQ
People often ask us

The updated brands will launch in Q4 2026. We're announcing this change now so our clients and stakeholders know our plans well in advance.

First Citizens Bank is moving to corporate brands to support our growth, build stronger brand equity and create economies of scale across our company. While the name is changing, we're maintaining the experience, service and specialization our commercial clients rely on.

The names are changing. The experience isn't. Our clients will continue working with their knowledgeable relationship managers and relationship advisors, who continue to provide the same deep expertise and tailored solutions. There's no action required by our clients at this time.

Moving forward, together

Our new name reflects both where we come from and where we're going. As Working Capital Finance, we'll continue delivering the customized solutions, industry experience and client service that has defined our business for decades.

Ready to connect?

Factoring is provided either through The CIT Group/Commercial Services Inc., a wholly owned indirect subsidiary of First-Citizens Bank & Trust Company, or First-Citizens Bank & Trust Company.

Subject to credit approval.

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.

First Citizens Bank is a Member FDIC.