Skilled Trades

Get financial support for your specialized skills

Our Expertise

A skilled approach to skilled trades

  • Our streamlined application process and financial products make it easy for you to start, grow or expand your small business
  • Finance business equipment and vehicle expenses with lending solutions and business credit cards
  • Protect your assets and employees with business auto insurance, and property and casualty services
  • Take advantage of trade discounts and meet short-term cash needs with a working capital line that can link to your primary checking account

Electricians

Our experienced financial experts help you find unique solutions to keep your business charged.

  • Finance growth with business credit cards, lines of credit and commercial real estate loans
  • Keep the tools of your trade sharp, ready and new with equipment financing and leasing
  • Manage risk and gain peace of mind with business income protection, business auto insurance, workers' compensation and equipment breakdown

HVAC

Keep your business running smoothly all four seasons—boost your bottom line with a wide portfolio of financial services.

  • Expand and protect your tool set with equipment financing, and leasing and equipment breakdown liability
  • Save time when you deposit checks using Remote Image DepositD and digital banking services
  • Take advantage of revolving lines of credit, real estate loans, credit cards and financing options

Landscape Architects

Access the capital, products and services to boost your business's earning potential.

  • Get equipment financing and leasing, lines of credit, and business credit cards to fund and expand your business
  • Streamline processing and accelerate cash flow with ACH collections and merchant services
  • Grow your wealth with money market savings, business investment sweep and institutional investment accountsD

Plumbers

Look to our customizable range of products and services to help keep your business flowing smoothly.

  • Finance the right tools for the job with equipment financing and leasing, business loans, and lines of credit
  • Keep your payments and daily operations on time with merchant services and ACH collections services
  • Make your money work for you with money market savings accounts and institutional investmentsD
Products and Services

Customizable solutions for your business

Small Business Lending

Get flexible financing, including SBA term loan options.DD

Equipment Financing and Lending

Utilize flexible lending solutions for equipment, vehicles and the tools you need to get the job done.

Credit Cards

Conveniently handle business spending and earn rewards at the same time.

Lines of Credit

Borrow what you need and get easy access to funds that can help you manage fluctuations in cash flow.

Merchant Services

Get customized payment processing services that help your business stay efficient and on time.

Remote Image Deposit

Save time by depositing checks remotely using our desktop scanner.D

Fraud Risk Management

Protect your skilled trade business from every angle with advanced loss prevention services, like payment fraud protection.

Insurance

Ensure your employees and assets are protected with a range of insurance options like business property and liability insurance, and bonding guarantees.

Wealth Advisory

Build a personal relationship with a wealth advisor to gain crucial insights on your property and financial affairs.

First Citizens and You

The bank with your business in mind

  • We make it our business to understand yours so we can serve all of your financial needs—from launch to expansion
  • You get personal attention from a First Citizens relationship manager who will know and understand your unique needs
  • We are committed to our local partners and have been a strong member of communities for more than 100 years
  • Our industry expertise can help you make the best financial decisions for your business and your future
merchant services

Payment processing tailored for you

Expand your customer payment options and streamline your operations with our payment solutions.
Business Vehicle & Equipment Financing

Flexible options for financing growth

Get the vehicles and equipment your business needs and maintain cash flow through financing.

Account openings and credit are subject to bank approval.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

Remote Image Deposit is subject to contractual terms and conditions.

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.

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.