SBA 504 Term Loan

Finance significant fixed assets, including equipment and real estate

Features

SBA 504 Loan features include

Get the SBA advantage

Access lower down payment requirements, as low as 10% required,D and longer loan amortizations—up to 20 years for commercial real estate purchases and 10 years for machinery and equipment.D

Do more with what you borrow

Wrap real estate and equipment purchases into the same loan.

Flexibility for your unique business needs

Access loan amounts up to $6 million for First Citizens portion of the project with longer fixed rate options.

Benefits

Loan benefits include

Preserve your cash flow

Keep capital flowing in your business while lower monthly payments preserve cash flow.

Get flexibility and convenience

Loan amounts can help meet most of your business’s funding needs.

Make payment predictable

Rate can be fixed, reducing the risk of market fluctuations.

Get more information and apply

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.

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.

Equity injection requirements will vary depending on type and amount of financing being requested.

Term of the loan will depend on use of funds.

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