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First-Citizens Bank & Trust Company

RALEIGH, NC 27603

⭐ SBA Preferred Lender
647
Loans Approved
$644.1M
Total Volume
$996K
Avg Loan Size
30
States Served

States Served

ArizonaCaliforniaColoradoWashington D.C.FloridaGeorgiaIllinoisKansasLouisianaMassachusettsMarylandMaineMichiganMissouriMontanaNorth CarolinaNebraskaNew MexicoNevadaNew YorkOhioOklahomaOregonSouth CarolinaTennesseeTexasVirginiaWashingtonWisconsinWest Virginia

Top Industries Financed

  • Offices of Dentists
  • Offices of Physicians (except Mental Health Specialists)
  • Offices of Chiropractors
  • Full-Service Restaurants
  • Pharmacies and Drug Stores

Quick Summary

First-Citizens Bank & Trust Company is an SBA-approved lender headquartered in RALEIGH, North Carolina. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 647 SBA 7(a) loans totaling $644.1M, with an average loan size of $996K. They serve businesses across 30 states.

About First-Citizens Bank & Trust Company

First-Citizens Bank & Trust Company is an SBA-approved lender headquartered in RALEIGH, North Carolina. Since 2020, they have approved 647 SBA 7(a) loans totaling $644.1M, with an average loan size of $996K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 30 states.

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Helpful SBA Borrower Guides

SBA 7(a) RequirementsDocuments ChecklistHow to Choose a Lender

Frequently Asked Questions

Is First-Citizens Bank & Trust Company an SBA Preferred Lender?

Yes, First-Citizens Bank & Trust Company is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.

How many SBA loans has First-Citizens Bank & Trust Company approved?

According to SBA FOIA public records, First-Citizens Bank & Trust Company has approved 647 SBA 7(a) loans totaling $644.1M since 2020. Their average loan size is $996K.

What states does First-Citizens Bank & Trust Company serve?

First-Citizens Bank & Trust Company serves businesses in 30 states: Arizona, California, Colorado, Washington D.C., Florida, Georgia, Illinois, Kansas, Louisiana, Massachusetts, Maryland, Maine, Michigan, Missouri, Montana, North Carolina, Nebraska, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia.

How do I apply for an SBA loan with First-Citizens Bank & Trust Company?

To apply for an SBA 7(a) loan with First-Citizens Bank & Trust Company, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.

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