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Working Capital Business Loans

You’re focused on building your business. A working capital loan could help you meet your needs and manage costs.

How working capital can help you manage cash flow

As a business owner, you know how critical cash flow is for keeping business running smoothly. A working capital loan can help by providing the funds you need for purchasing inventory, remodeling, buying advertising and more without tying up your cash or existing lines of credit. Even better? We have a referral source that may be able to get you a loan up to $250,000 that you can use to refresh your business.

Working Capital Snapshot

Ensure your cash flow management practices set your business up for success.

Uses

With an influx of working capital, you could:

  • Purchase inventory
  • Get equipment/technology
  • Improve your temporary cash flow
  • Expand your marketing
  • Supplement working capital

Financing

Rates for working capital loans vary based on requested loan terms and credit review.

Repayment

Working capital loans automatically deduct daily, weekly or monthly payments from your checking account.

Minimum program requirements

  • U.S.-based business and in good standing
  • Operating for over one year
  • Annual revenues of over $200,000
  • FICO score of 600+ (Subject to change)

Contact Us

Fill out the below form and one of our representatives will be in touch shortly.

Working capital loans are only available to qualified businesses in the United States.

This product offering is available through referral source relationships, not available through First Citizens Bank branches. If originated, it will not be serviced at a First Citizens branch.

  • Financing details will be available online separately from First Citizens Digital Banking.
  • Payments will not be accepted at First Citizens branch locations.
  • Working capital inquiries should be submitted through the form on this page.

"The working capital we received … allowed for the hire of new employees and enabled us to take on larger insurance repair projects. The working capital loan was easy to use and work with, and I got fast responses."

Michael Bouck
ServiceMaster by Bouck

Subject to credit approval. Working capital loans are referred to a third-party funding source.

Disclosures
Not all applicants will qualify for financing. All finance programs and rates are subject to final approval by First-Citizens Bank & Trust Company, and are subject to change at any time without notice. Supporting financial documentation may be required for any transaction with First-Citizens Bank & Trust Company or its referral partners. Working capital applications are submitted to a third-party referral source. $250k maximum loan amount on working capital loans.