Seed lending from First Citizens Innovation Banking

You don’t need to be a client of First Citizens Bank to apply. If you are approved and you are not already a client, you will need to become a client to access the funds.

All loans provided by First-Citizens Bank & Trust Company are subject to underwriting, credit, and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941

Bank deposit products are offered by First-Citizens Bank & Trust Company. Member FDIC and an Equal Housing Lender.

Money Market Accounts (MMA) are interest-bearing accounts unless otherwise stated. As of September 30, 2026, a 3.56% annual percentage yield (APY) on the Startup Money Market Account ** is available for ** deposit balances of $1,000,000.01 or more.  ** If the Startup Money Market Account ** has deposit balances between $50,000.01 to $1,000,000.00, a 2.63% APY will be applied to the entire ** Startup Money Market Account deposit balance. If the Startup Money Market Account has deposit balances of $50,000.00 or less, a 0.10% APY will be applied to the entire Startup Money Market Account deposit balance. The APY or interest rate depends on the tier associated with the amount deposited in the Startup Money Market Account. You must deposit and maintain the applicable account balance to earn the disclosed APY. Please refer to the Deposit Agreement and Disclosure Statement issued at opening and any updates thereto for more details. Changes to the interest rate and APY on the Startup Money Market Account is at our discretion and are reflected in your account statement. Interest is calculated daily and credited monthly to the account. If you close your account before interest is credited for the month, you will not receive the accrued interest during the month the account is closed. Applicable fees, including those contained in the Product Sheets and Schedule of Fees and Charges provided at account opening, could reduce earnings on the account. Account maintenance fees may apply for each month your balance falls below a disclosed minimum.