Business Lines of Credit

Many businesses find that a line of credit is essential for meeting short-term or ongoing funding needs, such as temporary cash flow issues, seasonal working capital needs, purchasing inventory or financing accounts receivable. And with a First Citizens business line of credit, you can easily access funds by transferring them into your First Citizens business checking account.

Benefits include:

• Fast access to funds when you need them
• Secured or unsecured options
• Link to your First Citizens business checking account for overdraft protection
• Competitive rates
• Flexible payment terms — including an interest-only option
• It's easy to make payments online or with automatic deduction from checking

Business Equity Line

If your business owns real estate, consider the additional benefits of First Citizens' Business Equity Line:

• Three-year revolving line of credit with a variable rate
• Collateral may be first or second mortgage on business-occupied real estate
• Repayment is interest only for three years with balance due at maturity

Talk with a First Citizens business banker today. Call 1-888-612-4444 or stop by your local Branch Office.