Business & Agriculture Loans
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
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
Agriculture Loans
- Agriculture loans to cover a range of needs
- Low, competitive rates
- Customizable lending options
Equipment Loans
- Finance new or used equipment
- Available to businesses in a range of industries
- Avoid costly lapses in production
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
Business Term Loans
- Competitive rates for a wide range of business expenses
- Repayment terms customized to fit your business's unique needs
- Fixed maturity
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
Accounts Receivable Financing
- Financing for accounts receivable
- Free up time by allowing First Citizens to assume responsibility for billing your customers
- Competitive, fixed rates