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

INTEL

Major Update to Small Business Law

The Corporate Transparency Act went into effect on January 1, 2024, and impacts millions of small businesses in the US. Here's what you need to know.
The companies impacted by the CTA are mainly the millions of US-based small businesses with 20 or fewer employees and less than $5 million in revenue.
INTEL

Will the Latest IRS Adjustments Change Your Tax Bill?

Annual inflation adjustments to tax provisions were announced in October 2024. Learn how this may change your 2025 tax return.
More than 60 changes were made this year, including standard deductions, marginal rates and alternative minimum tax exemptions.

Nerre Shuriah

JD, LLM, CM&AA | Senior Director of Wealth Planning

Tax Planning

Strategies for Cutting Tax Liability in Retirement

The less taxes you pay on retirement income, the more you’ll have to spend on enjoying life.
A financial advisor can help you create a holistic retirement income plan—one that meets the needs of your specific situation while also reducing your retirement tax burden.

Walt Reed

First Citizens Director of Trust & Estate Tax

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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.