SBA 7(a) Term Loan

Finance a wide range of business needs, including growth and expansion

Features

SBA 7(a) Loan features include

Get the SBA advantage

Access lower down payment requirementsD and longer loan amortizations—up to 25 years for commercial real estate purchases.D

Do more with what you borrow

With loan amounts of $50,000 to $5 million available you can wrap multiple project funding needs into one loan, and get the option to make interest-only payments.

Flexibility for your unique business needs

No balloon payments, no pre-payment penalty if the term of  the loan is 15 years or less and fixed or variable rate options are available.

Benefits

Loan benefits include

Preserve your cash flow

Keep capital flowing in your business with loan amounts that can help meet most of your business's funding needs and lower monthly payments to preserve cash flow.

Get flexibility and convenience

Loan termsD can provide flexibility during business ramp up or transition periods while one loan and one loan payment offers convenience.

Make payment and pay-off predictable

No need to refinance loan—it's re-amortized annually, allowing it to be paid down faster while rate options reduce the risk of payment 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.