Commercial Equipment Financing & Leasing

Let us help you fund your next business investment

Equipment and Vehicles

Get up to 100% financing for new and used commercial equipment and vehicles.

Tractor and Trailer

Financing that's ideal for commercial businesses with fleets of 10 to 100 vehicles.

Vendor Financing

Financing for your customers at competitive rates.

Invest in your business now

A variety of commercial loan and lease financing options

We offer loan and lease financing up to 100% for new and used commercial equipment and vehicles. Typical terms are up to 5 years and structured to meet your tax and accounting needs.D

Finance your fleet

Businesses operating a fleet of vehicles from 10 to 100 units can take advantage of specialty truck, tractor and trailer financing. Get up to 100% financing for leases with a guaranteed residual purchase option. You can reduce your monthly payments with a Terminal Rental Adjustment Clause lease, or TRAC lease.

Offer financing to your customers

If you're an equipment dealer, you can also offer vendor financing directly to your customers through First Citizens. With this service, you can accept applications from your customers, generate quotes online and receive approval for financing within hours. We handle the paperwork and offer competitive rates so you can close even more sales.

Pre-approved credit lines

Over the course of a year, commercial businesses typically purchase multiple pieces of equipment and vehicles. We offer pre-approved lines of credit to fund these purchases when they occur. It's as simple as ordering the equipment, providing us with the invoice and requesting closing documents.

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.
FAQ

People often ask us

To apply for equipment financing, reach out and talk to a banker.

For most commercial business owners, the top two benefits are the ability to maintain cash flow and secure 100% financing. If you move forward with our program, the third benefit is the financing may be structured in a variety of ways to meet your tax and accounting needs.

Yes. A Term Loan or a Capital Lease allows you to depreciate the cost of the equipment. One of our Equipment Finance and Leasing Officers can review our commercial equipment financing options in detail with you and your accountant.

We offer a variety of commercial equipment finance and leasing options, which you can learn more about when you talk to a banker.

Normal credit approval applies.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.

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