Commercial Loans

Fuel your business growth with commercial loans

Commercial lending solutions tailored to your business

Secure capital to achieve your business goals. We offer commercial lending for both your short- and long-term needs. Our team takes the time to understand your unique challenges and opportunities, offering personalized advice and strategic insights to help you make informed financial decisions.

Diverse solutions

Our commercial financing portfolio includes real estate acquisition, corporate loans, equipment financing, acquisition financing and lines of credit.

Certainty of execution

We have a long history of banker experience backed by the strength of First Citizens, so you can count on our teams to scale with your business.

Industry expertise

We specialize in a range of industries from healthcare and technology to aerospace and more, offering tailored experiences for small and middle market companies across all stages.

Our Commercial loan solutions
Cash infusions to help boost your business

Multiple commercial loan options

We offer a variety of commercial loans that can help your business add working capital, refinance existing debt, pay for equipment, or buy, build or expand your facilities.

Commercial term loans

Our commercial term loans offer a specific amount of funding with a set repayment period. Choose between fixed-rate and variable-rate loan terms.

Loans for commercial real estate

We have multiple solutions to meet your needs, including owner-occupied loans, bridge loans, and acquisitions and refinance loans.

Commercial Loan Expertise
Personalized advice and strategic solutions

We pride ourselves on our deep-rooted commitment to empowering businesses by building on industry knowledge and fostering economic development.

  • Direct support from our team of commercial financing consultants
  • High performing, experienced teams
  • Unique financing solutions to support your strategic objectives

Success stories
Recent commercial loan transactions

Maritime
Senior Secured Term Loan

$22,000,000

Euroseas LTD
Healthcare
Real Estate Refinance Loan

$50,000,000

Tristar Realty Group LLC
Energy
Senior Secured Loan

$386,876,000

Competitive Power Ventures Inc.

Commercial Lending FAQ
People often ask us

To apply for a commercial loan, talk to a banker.

Yes. We have various lines of credit to meet your commercial business's cash flow needs and will work closely with you to determine what line of credit is best for you. To get started, speak with one of our experienced commercial bankers. Talk to a banker today.

A term loan provides financing for capital expenditures such as vehicle or equipment needs or fixed assets that are regularly amortized over a period of time.

A commercial line of credit allows you to easily access funds whenever you need them for short-term financing needs.

A lease can help you with vehicle and equipment financing and can have potential tax benefits.

Your personal guarantee may be needed depending on the size and type of your commercial credit request.

Yes. We service various industries, and additionally, our relationship managers have specialized expertise in these areas:

  • Aerospace, defense and government
  • Agribusiness
  • Cannabis and hemp banking
  • Energy
  • Entertainment and media
  • Healthcare
  • Manufacturing and distribution
  • Maritime
  • Nonprofits
  • Professional services
  • Property management
  • Tech and telecom
  • Trade associations

Commercial Loan Insights
Explore new opportunities for growth

Finance

The main types of commercial loans available for businesses

There are several types of commercial loans you can choose for your company. Learn which will work best for your situation.
Before you jump into getting any loan, make sure you have a plan for how you'll use the funds you receive.
Finance

Fund your business expansion

There's no one-size-fits-all commercial real estate solution.
The right commercial loan for you depends on your business, your budget and how much money you need.
Finance

Grow your business with an expansion loan

See how a business expansion loan can help finance your commercial growth plan.
A business expansion loan gives you extra funds to buy new equipment, hire staff and move into new markets.
Explore more commercial financial insights

Normal credit approval applies.

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NMLSR ID 503941