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

Planning

Q2 2024 Quarterly Positioning

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Ask yourself these questions before making a decision on a second home.
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Estate Planning

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A special needs trust can help you provide a lifeline for a loved one who's unable to manage on their own.
There are things, like occupational therapies, that government programs like Medicaid provide that could be prohibitively expensive if you're paying for them personally.

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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. Asset allocation, dollar cost averaging and diversification do not guarantee a profit or protect against loss. There is no guarantee that a strategy will achieve its goal.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, Equal Housing Lender; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

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.

Bank deposit products are offered by First Citizens Bank, Member FDIC.

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.