HVAC

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

We're here to help you get started

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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.

Insurance

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

Skilled Trades Insights
Grow your business

Skilled Trades

Boost your HVAC energy efficiency holistically

When you consider the entire structure and not just the HVAC elements, opportunity awaits.
A more comprehensive perspective can help shift your customers from a reactive mindset to a proactive mindset.
Finance

Financing your franchise dreams

SBA-backed loans can help you open a new franchise business or expand your franchise facility.
Although owning a franchise offers numerous business advantages, it can require a significant amount of capital to get off the ground or add new locations.
Skilled Trades

Convince clients to get HVAC upgrades

Make a case for HVAC upgrades to help promote clients' long-term profits and success.
A newer HVAC system is also less likely to break down, reducing annual maintenance costs.
Explore Insights

Account openings and credit are subject to 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 all US states except Vermont.

Your investments in securities and insurance products are not insured by the FDIC or any other federal government agency and may lose value. They are not deposits or other obligations of, or guaranteed by, any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. Past performance does not guarantee future results. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands, Products and Services Offered

First Citizens Wealth® (FCW) is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares Inc. are the entities through which FCW products and services are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. (FCIS), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. (FCAM), and SVB Wealth LLC (SVBW), all SEC registered investment advisers. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions, or to all investors. Insurance products are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender icon: sys-ehl, and First Citizens Delaware Trust Company.

For more information about FCIS, FCAM, or SVBW and its investment professionals, visit: FirstCitizens.com/Wealth/Disclosures.

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.

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.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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

NMLSR ID 503941