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
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

HVAC Featured Insight

Supply chain impacts on HVAC

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Skilled Trades Insights

Grow your business

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 and services 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.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products 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. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

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.

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

NMLSR ID 503941