Small business financing refers to the means by which an aspiring or current business owner obtains money to start a new small business, purchase an existing small business or bring money into an existing small business to finance current or future business activity.

First Citizens’ is an authorized SBA Lender utilizing the SBAExpress and SBA Patriot Express Loan Programs. The loan products streamline small business loan requests, start-up business operations, working capital, account receivable funding and small business expansions. The SBAExpress program gives small businesses a faster turnaround time for review. In addition, lower interest rates can be available when applying through an Express program. The SBA Patriot program is designed for veterans and members of the military community wanting to establish or expand their small businesses. 

These new programs will accompany the full complement of SBA loan opportunities currently offered, including:
  • SBA 7A Loan Program - for working capital and business acquisition
  • SBA 504 Loan Program - for real estate acquisition, expansion and construction

How does an SBA work?

Contact us for more information or locate one of our branches near you.

*Loans are subject to approval