First Citizens Bank

First Citizens Bank, with a rich history dating back to 1898, has established itself as one of the most trusted and reliable financial institutions for small business lending in the United States. Following its merger with CIT Group in 2022, First Citizens became the largest family-controlled bank in the country, combining the personalized service of a community bank with the resources and capabilities of a national financial institution. This unique positioning allows them to deliver exceptional value to business borrowers seeking SBA financing.

As a designated SBA Preferred Lender, First Citizens Bank has demonstrated expertise in navigating the often complex SBA loan process. Their specialized SBA lending team offers a comprehensive portfolio of SBA loan products, including 7(a) loans for general business purposes, 504 loans for major fixed asset purchases, and SBA Express loans for faster processing times. This diverse range of options ensures that businesses of various sizes and needs can find appropriate financing solutions. Their SBA professionals work closely with borrowers to identify the most suitable program and provide guidance throughout the application and approval process.

What truly distinguishes First Citizens Bank in the SBA lending space is their commitment to relationship banking. Unlike many large financial institutions that take a transactional approach to lending, First Citizens assigns dedicated relationship managers who take the time to understand each business's unique situation, challenges, and opportunities. This relationship-focused approach enables them to structure loans that align with the business's specific needs and long-term goals. For business owners seeking SBA financing with the guidance of experienced professionals who will be partners in their success, First Citizens Bank offers a compelling combination of expertise, resources, and personalized service.