Credit and Financing

Timely, convenient access to credit is essential to all businesses. Because we understand your business has unique credit needs, First Citizens offers a variety of credit services. We'll make it our mission to understand your business and tailor the best financing option to meet your company's needs.

• Visa^® Business Credit Card

  These days, business credit cards aren't a luxury, they're a necessity. Travel and entertainment, inventory and supplies, short-term cash needs—whatever you need at a low variable interest rate and no annual fee. For a low membership fee you can get high-flying rewards with the addition of Business BankMiles^®. Every dollar charged equals one BankMile that can be redeemed for savings on any type of air travel.

• Direct Leasing

  Through commitment and innovation, First Citizens has emerged as a leasing industry leader. If you're in the market for computer systems, medical equipment, vehicles, manufacturing equipment or construction equipment, leasing may be your best option. Leasing offers cash flow advantages to your company. And best of all, we're able to move faster, lower your costs and offer some of the most competitive rates and terms in the market.

• Loans & Lines of Credit

  Businesses have very special financing needs. Whether you are looking to expand your business, purchase equipment or finance operating capital, we have term loans and lines of credits to meet your needs. We are here to help you find the solutions that can help your business grow.

• Vendor Leasing

  As a full service vendor, you have the equipment your customer needs. With vendor leasing from First Citizens, you can provide the financing as well. You can save your customers two of their most valued commodities – time and money! You can prepare quotes online instantly and we will handle all the paperwork for you. Let one of our leasing associates show you how offering our leasing program can help you increase your sales and your profits.

• Working Capital Finance

  The First Citizens Working Capital Finance program delivers continuous cash flow to you through the purchase of your commercial accounts receivable. Increase your liquidity without adding debt to your company's balance sheet, while reducing overhead in your credit department. Let our Working Capital Finance experts help you determine if our program fits your business needs.