Credit Insights

Explore insights for your small business

Credit

Tips for Getting Your First Small Business Loan

Knowing the basics of how to get a small business loan may help prepare you to get the capital you need.
While banks don't have universal rules about what makes a business creditworthy, most will evaluate three key factors: experience, credit and cash flow.
Credit

What to Know About Section 1071

Here's how the new small business lending rule may impact you.
The purpose of the 1071 regulation is to create a dataset that may help identify unmet needs and opportunities to expand access to capital, ultimately supporting the growth of small businesses within local communities.
Credit

Building Your Business Credit Score

Your company's credit matters more than you may think. Use these proven strategies so you can improve your business credit score.
Your business credit score can open financial doors and help you accomplish your goals.
Credit

Business Credit Cards and Your Financial Strategy

Is a rewards or low-interest business credit card the best option for you? Get insight so you can add the right card to your financial strategy.
A business credit card can be an effective way to manage and track your spending.
Credit

How Will Inflation Impact Your Small Business?

If you're concerned about how inflation impacts your business's credit and financing, it's important to first understand how they're connected.
As prices climb, you might have to borrow more to outbid your competitors for needed equipment or materials.
Credit

Starting a Company Credit Card Program

You'll need a clear, written policy laying out employee guidelines and procedures.
As you plan credit card limits, make sure whatever you choose fits your monthly spending budget.
Calculators

Business Credit Card Rewards

Calculate and compare what kind of business credit card rewards you can earn.

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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