Business Financing

Short- and long-term solutions to help support your business

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

SBA 7(a) Term Loans

Flexible loan options to help you fund a wide variety of business needs.

  • Up to 100% financing
  • Loan amounts of $50,000 to $5 million
  • Terms up to 25 years

 

SBA 504 Term Loans

Loan options designed to purchase real estate, machinery and equipment.

  • Up to 90% financing
  • Loan amounts up to $6 million
  • Terms up to 20 years

Commercial Letters of Credit

Expedite payment and improve cash flow.

  • Import and export letters of credit available
  • Specifies 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.

  • For transactions that require assurance that payment will be made
  • Does not 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

Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.
Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
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.

No. If your line of credit has a zero balance, you won't pay interest.

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 line of credit allows you to easily access funds whenever you need them for short-term financing needs. And a lease can help you with vehicle and equipment financing, with potential tax benefits.

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.