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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.
Our vendor financing account managers can help your customers grow their businesses while helping you meet your goals. It's easy to apply for funds when you're backed by our best-in-class service and streamlined online application process. Sign up as a referring source or vendor partner and you can send your customers our way with just a few clicks.
Ready to close more deals? Our experts are here to guide you through the vendor financing process from start to finish.
Fill out our form and learn more about offering vendor financing options to your customers.
An account manager will reach out to discuss the best financing options and tools for you and your customers.
Once enabled, you can direct customers to an online application, integrate quotes and watch your sales grow.
Unique Programs
We create co-marketing programs that cater to your business
Growth Services
We work with your sales process to help increase your numbers
Simple Applications
We offer paper or digital financing applications to suit your needs
Reporting
We provide month-end reporting and more to track your progress
Easily build sales volume, revenue and customer satisfaction with our tailored payment experience. Our B2B point-of-sale capability offers a smooth onboarding experience to get you up and running.
Make financing easy and increase sales when you share our web-based digital application with your customers.
Digital applications account for more than 75% of finance applications we receive from our vendors.
Partners who use the digital application on their websites have seen a 25% lift in application conversion rate.
Provide your customers with a finance application
Make it easier for your customers to apply for financing
Post a convenient Apply Now option on your website
Our quote widget advertises an as-low-as payment option on your e-commerce product pages and connects your customers to the digital application through a seamless online buying experience.
Customers are twice as likely to complete the application if they can see their low monthly payment.
Sell online more easily
Use web-development resources
Show an as-low-as payment option for products you sell online
Our cart widget advertises an as-low-as payment option for multiple products and connects your customers to the digital application.
Customers are twice as likely to complete the application if they can see their low monthly payment.
The cart widget helps businesses that are experienced with financing processes that serve as purchase options.
Sell online more easily
Integrate APIs with your e-commerce platform
Show an as-low-as payment for a customer's configured cart
Expedite your sales process or shorten your sales cycle to close more business through leveraged financing with Select Your Own Terms, or SYOT.
Once your customers are approved, we automatically provide payment terms they can review and select, which will generate electronic contracts sent to their email.
Customers execute their contracts 30% faster when leveraging our SYOT technology.
You won't have to change your business style or process to use SYOT.
Show your customer payment terms simply and automatically
Get 24/7 availability without losing the personal touch
Give your customers a way to pay for newer products at a low cost
Our vendor portal simplifies your management process. View pipeline management and historical reporting, and access your First Citizens account manager's contact information.
Submit customer applications
Quote payments
Post a convenient Apply Now option on your website
Billing is one of the most important parts of your business, and inefficient processes can impact productivity, customer satisfaction and even your bottom line. That's where our award-winning FlexAbility™ platform comes in.
We can integrate with your existing CRM to make it easier for you to manage credit applications and add First Citizens as a lender for your customers. We currently offer two options.
Vendor financing is the lending of money by a lending institution through an equipment seller to a business customer, who in turn uses that capital to buy that same vendor's products or services. The money is being provided by a lending institution like First Citizens to the customer to purchase equipment or services provided by the vendor.
When you offer vendor financing, you're able to:
Let's say a landscaping company needs a new mini excavator. The owner of the landscaping company goes to their local equipment dealer to purchase the excavator, but they don't want to tie up cash flow by paying the full cost of the equipment upfront. The local dealer can offer customers financing options to pay for purchases over time through a lending partner that understands their customers' needs.
There are many benefits to offering vendor financing through your business, both as an equipment seller and buyer.
As an equipment seller, offering financing to your customers can help you:
You also have the ability to sell based on monthly payments rather than total cost, so you may be able to improve profit margins by offering upgrades to equipment, software and services.
As an equipment buyer, choosing financing can help you:
Not all applicants will qualify for financing. All finance programs and rates are subject to final approval by First-Citizens Bank & Trust Company and are subject to change at any time without notice.
Speed and performance are subject to applicant's local connectivity and other factors outside First-Citizens Bank & Trust Company's control.
Supporting financial documentation may be required for any transaction with First Citizens.
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
NMLSR ID 503941
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Insurance
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.
To learn how we can help your business grow, contact our team today. Finance equipment up to $3 million.
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