Small Business Manufacturing & Distribution

Providing financial solutions to support your growing footprint


Set up your business banking accounts and essential services.


Lean on your trusted banker as your business and needs grow.


Get the support you need to expand regionally, nationally or beyond.

Custom Manufacturers

Manage risk and cash flow leveraging our expertise.

  • Manage risks with the right combination of insurance productsD
  • Streamline processing and accelerate cash flow with targeted receivables solutions
  • Manage payments and disbursements to suppliers and subcontractors

Assembly Manufacturers

Get the liquidity support needed to serve a broad customer base.

  • Manage liquidity with cash sweepD accounts for large payments
  • Use foreign exchange services to reduce currency risk and the impact of currency fluctuations
  • Access an array of equipment financing and leasing options


Treasury and inventory solutions to support technological and other industry changes.

  • Use lines of credit backed by inventory and accounts receivable
  • Access equipment financing for new equipment and technological upgrades
  • Expedite international payments with commercial letters of credit

Fulfillment Firms

Payment options to better manage your business.

  • Tap our highly competitive merchant card processing solutions
  • Quickly convert credit card receivables to cash with rapid payment processing
  • Reduce losses with embedded fraud protection


We help you deliver great service to your customers with convenient offerings.

  • Access a full range of business checking, savings and credit accounts online for convenient banking
  • Simplify your bill payments with First Citizens eReceivables for efficient processing
  • Choose an equipment lease with terms that can be customized to meet your business needs


Expand your business with our depth of expertise.

  • Get access to credit products that help grow your business, such as lines of credit and credit cards
  • Mitigate risk with our insurance analysis and easy-to-understand coverage recommendationsD
  • Process and pay bills in a streamlined fashion with eReceivables
First Citizens and You

Deeply rooted in the industry

  • We provide working capital solutions that help you manage your cash
  • Augment relationships with suppliers and vendors to support cash management
  • Identify partner and M&A opportunities to support growth
  • Build internal finance systems to support supply chain and international operations
Our Expertise

Working closely with manufacturers and distributors

  • We take the time to understand the unique concerns of the industry and your business in particular
  • We pair you with a high-quality, knowledgeable banker
  • We listen and work with you to craft solutions that make sense
  • Our commitment to credibility and trust is unassailable
Our Promise

Impacting manufacturing and distribution

Forever First

We focus on your needs today and work with you to build a plan for the future.

Better banking

Our cash management options are broad, which enables us to craft the best integrated solutions for your business.

Community connections

We are involved in local and regional communities. Your banker knows the competitive landscape and can put you in touch with the right people.

Manage money online

Support your finance team while increasing transparency.

Market longevity

We're here to support your business for the long term.

Easy access

We're online and on your phone. Your trusted banker is only a click away.

Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.

Account openings and credit are subject to normal bank approval.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

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.