Comprehensive financial solutions for your business

Our Expertise

Keep your HVAC business running smoothly all four seasons

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

Customizable solutions for HVAC contractors and businesses

Small Business Lending

Get flexible financing, including SBA term loan options.DDD

Equipment Financing and Lending

Utilize flexible lending solutions for equipment, vehicles and the tools your HVAC business needs to get the job done.

Credit Cards

Conveniently handle business spending and earn rewards at the same time with business Visa® credit cards.

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 enable your business to maintain a steady cash flow.

Remote Deposit Capture

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.


Ensure your employees and assets are protected with a range of insurance options—like equipment breakdown, property and casualty insurance, and workers' compensation.D

Wealth Advisory

Build a relationship with a wealth advisor to gain crucial insights on personal accounts, personal wealth planning and retirement planning.D

HVAC Featured Insight

Supply chain impacts on HVAC

No results found

Skilled Trades Insights

Grow your business

Account openings and credit are subject to normal bank approval.

Remote Deposit Capture 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.

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.

Term of the loan will depend on use of funds.

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.