Key differences
- First Citizens (SVB) is usually faster to fund (about 6 weeks vs about 2 months).
Side by side
| First Citizens (SVB) | J.P. Morgan | |
|---|---|---|
| Product | Venture banking | Innovation Economy banking |
| Funding type | Venture banks | Venture banks |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 6 weeks | About 2 months |
| Typical size | About 25% of your last equity round | About 25% of your last equity round |
| Term | 12–48 months | 12–48 months |
| Requirements | Institutional VC backing | Institutional VC backing |
| Regions | US · UK | US · UK |
| What they underwrite | Your company & investors | Your company & investors |
| Collateral | All company assets | All company assets |
| How you repay | Interest-only then amortize | Interest-only then amortize |
| Dilution | Small (warrants) | Small (warrants) |
First Citizens (SVB)
Rebuilt Silicon Valley Bank. Prime-based pricing; expects operating deposits.
J.P. Morgan
Venture debt and banking for VC-backed startups.
First Citizens (SVB) vs J.P. Morgan FAQ
What is the difference between First Citizens (SVB) and J.P. Morgan?
First Citizens (SVB) is usually faster to fund (about 6 weeks vs about 2 months).
Which is faster, First Citizens (SVB) or J.P. Morgan?
First Citizens (SVB) usually funds in about 6 weeks; J.P. Morgan takes about 2 months.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.