Small Business Loans & Financing

Short- and long-term small business solutions

Grow your business on your terms

With over 100 years of experience working with small businesses, we know what it takes to start, expand and support your daily operations. We provide flexible small business loans and financing solutions to meet your needs.

Business Loans

We have the financial solutions you need to meet just about any business challenge.

  • Buy, refinance, build or expand a facility
  • Restructure debt
  • Finance equipment
  • Make leaseholder improvements
  • Access working capital

Business Lines of Credit

Get easy access to funds that can help you manage fluctuations in cash flow.

  • Handle periodic borrowing needs so you can get business done promptly
  • Borrow, repay and then borrow again
  • Always know the amount that's available to you to borrow
  • Solve financing needs quickly by simply writing a check

SBA Term Loans

Small Business Administration loans, or SBA loans, are a vital financial resource for businesses looking to start, expand or acquire an existing business.

  • Choose from an SBA 7(a) or 504 loan
  • Finance real estate and equipment
  • Fixed or variable rate options

SBA Express Term Loans

Ideal for business expansion, SBA Express term loans offer faster access with longer terms and lower down payment requirements versus conventional loans.

  • Loan amounts up to $350,000
  • Repayment terms up to 10 years
  • Up to 100% financing

Commercial Letters of Credit

Expedite payment and improve cash flow.

  • Import and export letters of credit available
  • Specify details on the purchase or sale of goods
  • Ensure compliance with international trade practices

Standby Letters of Credit

A flexible tool for a variety of transactions.

  • Designed for transactions that require assurance that payment will be made
  • Doesn't have to be related to the purchase of goods or services
  • Ensures that international transactions are properly structured
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Business Credit Solutions

Understanding your creditworthiness

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FAQ

People often ask us

To apply for a business loan, contact a First Citizens representative at your local branch.

If you prefer knowing what your interest rate and payment will be throughout the life of your loan, you should consider a fixed rate loan. In contrast, a variable interest rate loan may give you a lower rate and payment amount initially, with the chance that the rate and payment may rise or fall in the future.

Yes. We have various lines of credit to meet your business's cash flow needs and will work closely with you to determine what line of credit is best for your business. To get started, contact a First Citizens representative at your local branch.

A term loan provides financing for capital expenditures (such as vehicle or equipment needs or fixed assets) that are regularly amortized over a period of time. A small business line of credit allows you to easily access funds whenever you need them for short-term financing needs. A lease can help you with vehicle and equipment financing and has potential tax benefits.

Your personal guarantee may be needed depending on the size and type of your credit request.

Small Business Loans & Financing Insights

Grow your business

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Normal credit approval applies.

Approved to offer SBA loan products under the SBA Preferred Lenders program.

First Citizens Bank offers SBA 7(a) loans in select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.

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