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Commercial Real Estate Loans

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Available for owner-occupied or investment properties
  • Flexible terms for affordable payments
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Business Lines of Credit

  • Competitive rates for a wide range of long-term or seasonal business needs
  • Provides greater financial flexibility
  • Repayment customized based on your business's unique needs
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Agriculture Loans

  • Agriculture loans to cover a range of needs
  • Low, competitive rates
  • Customizable lending options
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Equipment Loans

  • Finance new or used equipment
  • Available to businesses in a range of industries
  • Avoid costly lapses in production
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Small Business Loans (SBA)

  • Preferred Express Lender from the U.S. Small Business Administration (SBA)
  • Financing without the typical waiting period up to $350,000
  • 504 and & 7(a) loans also available with limits up to $5 million
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Business Term Loans

  • Competitive rates for a wide range of business expenses
  • Repayment terms customized to fit your business's unique needs
  • Fixed maturity
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Letters of Credit

  • Provides guarantee on payments of large purchases to third parties
  • Can replace need for costly insurance company performance bond
  • Can also be used to guarantee a service
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Accounts Receivable Financing

  • Financing for accounts receivable
  • Free up time by allowing First Citizens to assume responsibility for billing your customers
  • Competitive, fixed rates
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Business Lending Team

See a directory of our business lending team.

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