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Fintech banking

Fintech companies are at the forefront of invention and influence across a broad spectrum of industries and business models. Innovators are revolutionizing how people and companies move and manage money.

Our sector expertise

Alternative lending Alternative lending
Banking and capital markets Banking and capital markets
Financial business process software Financial business process software
Fintech infrastructure Fintech infrastructure
Insurance tech Insurance tech
Payments Payments
Personal finance & wealth Personal finance & wealth
Property tech Property tech

Our clients are the who's who of fintech companies

Together, we're building the technologies of the future with the leaders in fintech.

Bill.com logo
Flywire logo
Melio logo
MoneyLion logo
Payoneer logo
SoFi logo
Upstart logo

SVB has consistently been a trustworthy, founder-friendly partner, and we're excited to continue to double down on our long-term relationship with them.

Lawrence Lin Murata

CEO at Slope

Build the future of financial services with our full-service platform

Leading banking services, specialty financing and payment solutions.

Venture debt

Benefit from venture debt financing to help build strategic value and extend your runway—while minimizing equity dilution.

Warehouse lending

Secure a capital loan designed for capital-intensive businesses to grow and manage costs and finance assets while achieving scale.

Embedded finance / payments

Enable payment acceptance directly into your platform by using our payment rails with support from embedded payments experts.

Payment facilitation

Register your business as a payment facilitator and earn revenue from each transaction by leveraging our relationships with the card networks.

Merchant Services

Customize payment acceptance to help improve cash flow with easy to integrate APIs for your site or mobile app.

Payment partner solutions

Simplify and automate payments and integrate with leading technologies, lowering costs and risk with partners like Modern Treasury and Plaid.

Global payments and foreign exchange

Enable cross-border payments and risk management with sector-specialization advisory teams to facilitate global payments and FX advisory.

Compliance

A compliance process tailored to your business. As experts in finance, we review risks and regulatory requirements at all stages of growth.

Business banking

Modern financial solutions and treasury management including savings, checking, cards, foreign exchange and more.

Upward view of skyscrapers
FUTURE OF FINTECH 2025 REPORT

Leverage our fintech industry insights

Discover how fintech companies are responding to rising revenue thresholds, rate cuts and regulatory changes.

Work with our fintech industry experts

Nick Christian

Nick Christian

Head of National Fintech and Specialty Finance

Esha Bawa

Esha Bawa

Managing Director, Treasury and Payments

Ilana Fass

Ilana Fass

Director

 Brian Foley

Brian Foley

Market Manager, Fintech and Warehouse Lending

Chris Leary

Chris Leary

Managing Director

Lily Page

Lily Page

Managing Director

Joseph Smart

Joseph Smart

Managing Director

Julie Wagne

Julie Wagne

Managing Director, Corporate Fintech

Nacha ranked us as a top 20 ACH originator 4 years in a rowD

Digitalization of payments continues to grow, and ACH is still a viable payment rail for businesses and consumers. We are one of the top ACH originators of commercial payments.

More financial services designed to scale as your needs change

Discover the financial solutions curated for you and your business.

Wealth management

Wealth management experts offer advice and guidance to help you achieve your next personal financial milestone.

Connect with our fintech experts

Reach out to a fintech expert for a one-on-one conversation.

Explore fintech insights

Read the latest news, insights and proprietary research to help as you work to accelerate your company's growth.

Blog | Industry Insights
The Bitcoin lending renaissance

Bitcoin-backed lending is maturing: conservative LTV ratios, investment-grade ABS and Lightning Network rails signal institutional adoption at scale.

Report
Future of Fintech Report 2025

Our new report examines how fintechs are finding immense opportunity amid heightened regulatory oversight and security concerns.

Blog | Industry Insights
The product era of Bitcoin is here

Explore Bitcoin-backed loans boom, Lightning Network adoption & AI automation driving Bitcoin's evolution from store of value to financial platform.

Blog | Industry Insights
Crypto’s VC comeback in five charts

Explore the resurgence of venture capital (VC) investing in the crypto sector driven by a sustained bull market. Read more to stay informed and get ahead.

Source: Nacha 2022, 2021, 2020 and 2019 top ACH originators by volume.

All third-party trademarks referenced by First Citizens Bank remain the property of their respective owners. First Citizens Bank’s use of third-party trademarks does not indicate any relationship, sponsorship or endorsement between First Citizens Bank and the owners of these trademarks. All references by First Citizens Bank to third-party trademarks are to identify the corresponding third-party goods and services and intended to constitute nominative fair use under applicable trademark laws.

Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal, accounting, and other advisors and only make investment decisions on the basis of your own objectives, experience and resources. Opinions expressed are our opinions as of the date of this content only. The material is based upon information which we consider reliable, but we do not represent that it is accurate or complete, and it should not be relied upon as such.

This material, including without limitation to the statistical information herein, is provided for informational purposes only. The material is based in part on information from third-party sources that we believe to be reliable but which has not been independently verified by us, and, as such, we do not represent the information is accurate or complete. The information should not be viewed as tax, accounting, investment, legal or other advice, nor is it to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision. Nothing relating to the material should be construed as a solicitation, offer or recommendation to acquire or dispose of any investment, or to engage in any other transaction.

New Merchant Services program offerings are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Terms and conditions apply.

All credit products and 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.

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