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Support your growth with seed stage venture debt

Whether you're extending your runway, reaching a new milestone or preparing for a Series A round, we know your journey.

Gain access to growth capital

Seed and pre-seed companies with venture backing can apply for Seed Stage Venture Debt — a resource designed to help companies early in their development.

Founder friendly
Founder friendly

Streamlined digital app, loan docs and legal process.

Flexible
Flexible

Borrow the amount you need when you need it.

Free up time
Free up time

Simple integration to your accounting software.

First Citizens Innovation Banking for startups

50%

of the companies on the 2026 Forbes Fintech 50 List are First Citizens Innovation Banking clients

42%

of the companies on the 2026 Disruptor 50 are First Citizens Innovation Banking clients

Kevin Conway

Kevin Conway

Director, Seed Lending

Get to the next level with seed lending.

FAQs

Seed Stage Venture Debt is a form of debt financing for early-stage startups. In general, venture debt is locked in after a recent seed round. Unlike other types of loans, this loan is investor dependent. It aims to extend a company’s runway while the company is still pursuing early milestones like building a team and refining technology. Venture debt is less dilutive than equity funding by nature, and it can offer appealing terms and ease of use. Learn more about Venture Debt.

See full list of Forbes Fintech 50 2026

See full list of CNBC Disruptor 50 2026

All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend.

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.

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