Customized Lending

Lending solutions tailored to your unique cash flow needs

A collaborative approach to financing solutions

Your cash flow needs are complex, and having a lending partner who understands these complexities is key to helping you reach your goals. With your overall wealth strategy in mind, we work with you to identify lending solutions that take your debt preferences, cash flow goals, repayment sources and collateral into account.

A closer look at customized lending services
We're here to help you find the unique financing you need

Personal lines of credit

Advance and use funds at your own discretion, such as a down payment on a home, a remodel, tax payments or general working capital. These lines of credit can be revolving or non-revolving, secured or unsecured—with terms built around your unique needs.

Venture capital and private equity partner lines of credit

We know the unique and complex capital commitments of venture capital and private equity investors. We'll leverage our years of experience to evaluate credit facilities to finance a portion of your commitments and support the growth and appreciation of your stake in the partnership.

Private aircraft finance

Acquiring or refinancing aircraft takes expertise and a view of your holistic wealth strategy to help craft a credit arrangement that will work for you.

Other lending solutions

Our lending opportunities extend to a variety of specialized options, such as recreational vehicles, boats, life insurance premium financing, commercial real estate lending and more.

Looking for more private banking services?

Customized Lending FAQ
People often ask us

A customized loan is a loan tailored to your unique liquidity requirements and timeline, collateral and intended outcomes. At First Citizens, you'll work with a private banker who keeps your full financial picture and wealth plan in mind when building your customized loan.

Customized loans can be used for a variety of purposes. For example, First Citizens provides customized loans for boats, yachts, fine art, aircraft, life insurance premiums, real estate and more.

Insights
A few insights for your financial plan

Tax Planning

Tax-Loss Harvesting: A Smart Tax Move for Investors

Tax-loss harvesting is a smart way to use capital losses to help minimize capital gains taxes.
Tax-loss harvesting can be a smart way to make your portfolio more tax-efficient. However, it's a strategy that requires careful tracking and timing.

Walt Reed

First Citizens Director of Trust & Estate Tax

Tax Planning

Navigating Capital Gains Taxes

Understanding how capital gains taxes work and ways to minimize them is essential for making more informed investment decisions.
While you can't completely avoid taxes on successful investments, you can take steps to reduce your capital gains taxes.

Walt Reed

First Citizens Director of Trust & Estate Tax

Liquidity

Understanding employee liquidity options prior to an IPO

Accessing liquidity as an employee of a pre-IPO company can involve a series of financial calculations. Knowing your options can help you make sound decisions.
The world of liquidity has shifted for employees and founders of pre-IPO companies throughout the innovation sector during the last 10 years.

Ann Lucchesi

Senior Director

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.

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. There is no guarantee that a strategy will achieve its objective.

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

All loans provided by First-Citizens Bank & Trust Company and Silicon Valley Bank are subject to underwriting, credit and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941

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.