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May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
With a small business line of credit, you'll have access to working capital whenever you need it. Our flexible funding options help ensure you put funds to work for short-term expenses so you can grow your business for the long term.
Keep borrowing
Most small business lines of credit let you borrow funds, repay them and borrow again.
Pay for necessities
Write a check with our Capital Line, Capital Manager or EquityLine line of credit.
Avoid overdrafts
Link your business line of credit to your company checking account for overdraft protection.
With First Citizens Capital Line, Capital Manager and Business EquityLine small business lines of credit, you can write a check to meet short-term or seasonal needs and pay for other unplanned expenses.
You'll always know the terms of your small business line of credit and the amount available to you with instant access to your account.
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
A business line of credit is intended for short-term financing needs. It works similar to a revolving credit card, where businesses can borrow as much as they need up to their credit limit and are only charged interest on the amount borrowed. They then repay the borrowed funds to replenish the business line of credit.
We offer various options and will work closely with you to determine which business line of credit is best for you. To get started, contact a First Citizens representative at your local branch.
A small business term loan provides financing for capital expenditures—such as fixed assets—that amortize over a period of time. A small business line of credit is meant for short-term financing needs. A lease can be beneficial for vehicles and equipment that you don't own but that might have a buyout option at the end of the term.
Yes. Your personal guarantee is generally required to finance a small business line of credit or loan.
No. If your business line of credit has a zero balance, no interest will accrue.
Account openings and credit are subject to bank approval.
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