Commercial Financing
Built around your business
Experienced commercial bankers delivering customized lending solutions with local decision-making, efficient response times, and a treasury management platform designed for complex business needs.
Why First Carolina Bank?
Ideal Client Banking Profile
Well-Capitalized Companies
Operating and manufacturing companies with healthy balance sheets and growth objectives.
Experienced Leadership
Seasoned management teams seeking a strategic banking relationship.
Regional Focus
Businesses throughout North Carolina, South Carolina, Georgia, and Virginia.
Explore our commercial financing options
Owner-Occupied – Office, Medical, Manufacturing Facilities
Lines of Credit – Short-Term Working Capital, Accounts Receivable, Inventory, Capex Financing
Term Loans – Capex Facilities
Management Buyouts & Recap Financing
Letters of Credit
FAQs
We primarily serve well-capitalized operating and manufacturing companies with experienced management teams seeking a long-term banking relationship and customized financing solutions.
Our Commercial Financing team focuses on businesses located within our four-state footprint: North Carolina, South Carolina, Georgia, and Virginia.
We offer a range of financing solutions, including:
- Owner-occupied real estate financing
- Lines of credit
- Term loans
- Letters of credit
- Management buyout and recapitalization financing
- Equipment and vehicle financing
Yes. Our lines of credit can support working capital needs through accounts receivable financing, inventory financing, and capital expenditure funding.
We combine local decision-making, responsive turnaround times, experienced commercial bankers, and a robust treasury management platform to deliver personalized banking solutions.
Simply connect with one of our Commercial Financing bankers to discuss your business needs and financing goals. We will work with you to develop a customized solution tailored to your organization.
