Commercial Equipment Leasing & Financing

Let us help you fund your next business investment

Custom commercial equipment finance solutions

First Citizens provides commercial equipment loans and leases for transactions up to $100 million and more, with terms and rates tailored to meet the needs of middle market and large-cap businesses. Plus, we now have expanded lending options through Sixty-First Commercial Finance.

100% equipment financing

Get up to 100% financing for new or used large-ticket capital equipment expenditures.

Direct originations

Our direct originators build relationships with CFOs and business owners to help provide creative solutions to service their capital equipment financing needs.

Indirect originations

Our indirect originators build relationships with our peer banking partners, second-tier leasing companies and other external third-party origination sources.

Industries We Serve

Build your business with capital equipment financing

From the latest imaging technology to industrial forklifts, our competitive large ticket equipment finance program is designed to facilitate flexible financing options for a wide array of commercial equipment and vehicles. Let our experienced financial providers help you meet your commercial equipment leasing and financing needs.

  • Domestic ground transportation
  • Brown water marine transportation
  • Manufacturing - discrete and process
  • Construction and mining
  • Warehouse facilities
  • Renewable and power generation
  • Technology and telecommunications

Commercial Equipment Leasing & Financing Options
Flexible, affordable and innovative financing

Maintain and grow your company with capital equipment financing. We offer several financing solutions designed to help your business.

  • Fair Market Value, or FMV leases
  • Early Buyout Option, or EBO
  • Terminal Rental Adjustment Clause (TRAC) leases, or Split TRAC leases
  • Sale leasebacks
  • Capital leases
  • $1 purchase options
  • Term loans
  • Equipment-based revolving lines of credit
Expanded capital equipment leasing capabilities

Sixty-First Commercial Finance

Sixty-First Commercial Finance, managed by First Citizens Institutional Asset Management LLC,D offers flexible and broad financing solutions to support middle market companies. We offer capital equipment financing from $5 million to $100 million with diverse coverage across both equipment types and industries.

Sixty-First Commercial Finance is a joint venture between Sixth Street's Asset Based Finance platform and First Citizens. We leverage the extensive experience and competencies of both institutions to provide more flexibility and support for your business.

Sixty-First Commercial Finance | Managed by First Citizens Institutional Asset Management, LLC

How we're different

  • An independent finance company that's an alternative lender to traditional banks
  • Support from the same team of experts at First Citizens
  • Both traditional and non-traditional solutions available to offer flexibility as credit needs fluctuate

Benefits

  • Deep experience in asset-backed equipment lending
  • Ability to deliver structured, customized solutions to help you reach your goals
  • Full product suite consisting of loans, tax leases and progress payment construction financing
  • Quick and certain execution based on deep underwriting, industry and product knowledge

Industries we serve

  • Transportation
  • Construction
  • Marine
  • Manufacturing
  • Helicopters
  • Warehouse logistics
  • Renewable and power generation
  • Technology and telecommunication

Commercial Equipment Leasing & Financing FAQ
People often ask us

To apply for commercial equipment leasing and 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 that financing may be structured in a variety of ways to meet your tax and accounting needs.

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

Commercial Equipment Leasing & Financing Insights
Grow your expertise

Finance

Deciding between equipment leasing versus financing

Keep these factors in mind when choosing the best capital financing option for your commercial enterprise.
While there's no universal solution to the lease-or-buy debate, time is a clear distinguishing factor.
Finance

The main types of commercial loans available for businesses

There are several types of commercial loans you can choose for your company. Learn which will work best for your situation.
Before you jump into getting any loan, make sure you have a plan for how you'll use the funds you receive.
Operations

Preventing logistics and supply chain fraud

Logistics and supply chain management have grown more complex and competitive.
Data analytics can be a powerful, cost-effective tool to increase visibility along your supply chain.

Normal credit approval applies.

First Citizens Institutional Asset Management LLC, an SEC-registered investment advisor, is a wholly owned subsidiary of First Citizens Bank.

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First Citizens Institutional Asset Management LLC, an SEC-registered investment advisor, is a wholly owned subsidiary of First Citizens Bank.