Equipment Financing & Leasing

Let us help you fund your next business investment

Equipment and Vehicles

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

Tractor and Trailer

Financing that's ideal for 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 loan options

Our equipment financing options offer up to 100% financing for new and used equipment and vehicles. Terms last from 3 to 5 years and can be structured to maximize your tax benefits.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 only the first and last payment typically due at close. Lease rates for equipment and vehicles are commonly lower than commercial finance rates.

Offer financing to your customers

If you are 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, businesses typically purchase multiple pieces of equipment and vehicles. We offer pre-approved lines of credit to fund these purchases when they occur. It is 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.

People often ask us

We offer a variety of equipment finance and leasing options, which you can learn more about by contacting a First Citizens representative at your local branch.

For most 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.

To apply for equipment financing, contact a First Citizens representative at your local branch.

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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