Comprehensive financial solutions for your business
Keep your HVAC business running smoothly all four seasons
We're here to help you get started
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.
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.
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.
Ensure your employees and assets are protected with a range of insurance options—like equipment breakdown, property and casualty insurance, and workers' compensation.D
Build a relationship with a wealth advisor to gain crucial insights on personal accounts, personal wealth planning and retirement planning.D
Supply chain impacts on HVAC
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 select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.
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.
Term of the loan will depend on use of funds.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.