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First-Citizens Bank & Trust Company (NC)
First Citizens provides a full range of banking products and services to meet your individual or business financial needs. Learn more about our products and services such as checking, savings, credit cards, mortgages and investments.
Unlock Your Financial Potential with First-Citizens Bank & Trust Company (NC)
First-Citizens Bank & Trust Company, headquartered in Raleigh, North Carolina, is one of the largest family-controlled banks in the United States and a nationally recognized SBA Preferred Lender. With more than a century of experience serving businesses, First Citizens combines financial strength with local relationship banking to help entrepreneurs access affordable, government-backed financing through the SBA program.
Key Features of First-Citizens Bank & Trust Company
- Comprehensive Business Banking: Full-service checking and savings accounts, treasury management, merchant services, and digital tools designed to support day-to-day operations and cash flow management.
- SBA Loan Expertise: As an SBA Preferred Lender, First Citizens Bank offers expedited processing for SBA 7(a), 504, and SBA Express programs — helping small businesses secure flexible financing for working capital, equipment, real estate, or acquisitions.
- Nationwide SBA Lending: While headquartered in North Carolina, First Citizens provides SBA financing to businesses across the country through its specialized lending division.
- Tailored Lending Solutions: The bank offers a range of commercial lending options beyond SBA programs, including term loans, lines of credit, and commercial real estate financing.
- Commitment to Community and Growth: First Citizens is deeply committed to strengthening local economies through responsible lending, small business investment, and financial education initiatives.
Why Choose First-Citizens Bank & Trust Company for SBA Loans?
First Citizens Bank brings the stability and experience of a century-old institution to every SBA relationship. As an SBA Preferred Lender, it has the authority to make credit decisions in-house — meaning faster approvals, flexible terms, and a smoother borrowing process. Whether you’re expanding your business, purchasing property, or investing in new equipment, First Citizens provides the capital, expertise, and personalized service to help your business thrive.
How to Get Started
Ready to grow your business with an SBA loan or other financing solution? Visit the First Citizens Bank SBA Lending page to explore available programs, review eligibility, and connect with an SBA lending expert.
Empower your financial future today with First Citizens Bank — where North Carolina businesses and entrepreneurs nationwide come to grow.
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