Small Business Line of Credit

Maximize the benefits of your business credit line

Small Business Line of Credit Benefits
Take care of business

Access funds to make payments

With First Citizens Capital Line, Capital Manager and Business EquityLine small business lines of credit, you can write a check to meet short-term or seasonal needs and pay for other unplanned expenses.

Know your limits

You'll always know the terms of your small business line of credit and the amount available to you with instant access to your account.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Small Business Line of Credit FAQ
People often ask us

Yes. We offer various options and will work closely with you to determine which line of credit is best for your business. To get started, contact a First Citizens representative at your local branch.

A small business term loan provides financing for capital expenditures—such as fixed assets—that amortize over a period of time. A small business line of credit is meant for short-term financing needs. A lease can be beneficial for vehicles and equipment that you don't own but that might have a buyout option at the end of the term.

Yes. Your personal guarantee is generally required to finance a small business loan or line of credit.

To apply for a small business loan, contact a First Citizens representative at your local branch.

Account openings and credit are subject to bank approval.

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

NMLSR ID 503941