Commercial Equipment Leasing & Financing
Let us help you fund your next business investment
Custom equipment finance solutions
First Citizens offers flexible financing options for a wide array of commercial equipment and vehicles. From the latest imaging technology to aircraft ownership, our competitive Equipment Finance & Leasing, or EF&L, program is designed to meet the needs of both micro-sized and multi-million dollar commercial businesses.
100% equipment financing
Get up to 100% financing for new or used commercial equipment and vehicles.
Tractor and trailer financing
Financing that's ideal for commercial businesses with fleets of 10 to 100 vehicles.
Financing for your customers at competitive rates.
Equip your company for success
A variety of commercial equipment loan and lease 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. Reduce your monthly payments with a Terminal Rental Adjustment Clause lease, or TRAC lease.
Offer financing to your customers
Equipment dealers can offer vendor financing directly to 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. Order the equipment, provide us with the invoice and request closing documents—it's that simple.
Flexible guidance and expertise
Our Equipment Finance & Leasing Officers, or EFLOs, partner with you to navigate options and create a custom commercial equipment finance solution. We provide financing for a wide range of industries, including medical, professional services, manufacturing, and transportation and logistics.
Let's start a conversation—we're here to help
Should I lease or purchase my equipment?
People often ask us
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.
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 leasing and financing options in detail with you and your accountant.
Grow your expertise
Normal credit approval applies.
The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.