Construction Equipment Financing & Leasing

Mitigate equipment expense with a steady financial partner

Stay on the cutting edge of technology

Construction equipment financing and leasing can help you get the latest products for your business. Financing can help you purchase your own equipment. Our construction equipment financing and leasing options feature affordable monthly payments so you can keep your bottom line in check while still having the tools you need to get the job done.

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Why Choose Us
Benefits of our equipment leasing & financing

Customization

Our representatives work directly with you to come up with flexible options to meet your needs and budget.

Fair pricing

We offer competitive financing options with flexible terms and payment plans that can also include consumables and installation costs.

Variety

From road machines to industrial tools, we'll craft a heavy equipment financing or leasing option that works for the type of tools you need.

Success Stories
Glover Construction

Now in its third generation, Glover Construction has built a legacy in earth-moving and mass excavation, driven by strong relationships. They turned to us for a banking partner who values relationships as much as they do—helping them strengthen their foundation and move their business forward.

Client Testimonial - Glover Construction video

Catherine Glover Frazier

Vice President, Glover Construction

Catherine: Glover Construction was founded in 1952 by my granddad, who at almost 92 still works every day. And now as we enter the third generation, we are the heavy earth-moving mass excavation company.

First Citizens Bank x Glover Construction: Meeting your ambition at every stage

Matt Glover

President, Glover Construction

Matt: When I started here 44 years ago, a lot of work we did was just on a handshake deal. My dad taught me the value of relationships a long time ago.

Catherine: When we moved over to First Citizens, we moved because we felt that the relationship was there. That wasn't there with our other banks. And at the end of the day, to run your business, you need those relationships.

Matt: My dad has always taught me to treat our employees not only with respect, but to take care of their needs. And that's what we expect from people that we do business with and banks included. And we feel like at First Citizens Bank, that they'll take care of our needs as well.

The banks grow and change. Oftentimes, you lose that. Well, that's not the case with First Citizens Bank.

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First Citizens Bank®

FirstCitizens.com

The views expressed are solely those of the authors and do not necessarily reflect the views of First-Citizens Bank & Trust Company or any of its affiliates. Companies listed are independent third parties and are not affiliated with First-Citizens Bank & Trust Company. All third-party trademarks (including logos, trade names, service marks, and icons) referenced herein remain the property of their respective owners.

©2025 First-Citizens Bank & Trust Company. All rights reserved. First Citizens Bank is a registered trademark of First Citizens BancShares, Inc. Equal Housing Lender. Member FDIC.

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Construction Equipment Products
Heavy construction equipment

We provide financing and leasing options for a wide variety of construction equipment products.

  • Skid steers
  • Farm equipment
  • Concrete equipment
  • Bulldozers
  • Excavators
  • Generators
  • Drills
  • Forklifts
  • Compressors
  • Grinders
  • Cranes
  • Wheel loaders
  • Loader backhoes
  • Articulated trucks
  • Aggregate processing
  • Paving equipment
  • Vocational equipment
  • Above-ground mining equipment

Heavy Equipment Financing & Leasing Benefits
Finish the job with the right tools

Stay on the cutting edge of technology

When your construction equipment lease term is over, you can simply upgrade to the latest models or technologies.

Improve your workflow and efficiencies

New machinery means more work gets done quickly.

Protect your liquidity

Loans help you preserve your cash for other costs, such as hiring more people and marketing your business.

Bid for more work

When you take out a heavy equipment loan, you're free to bid for more contracts without feeling like you have to save money for purchasing equipment.

Avoid high maintenance costs and depreciation

Leasing your equipment means you don't own it, so you don't need to worry about long-term repairs or depreciation.

Calculators
Support your unique goals

Learn the potential tax savings for your financed equipment

Calculate the estimated Section 179 tax deduction for your financed equipment

What's best for your budget: Purchase or lease?

Try our calculator to find out whether it makes more sense for your business to lease or purchase equipment

Construction Equipment Leasing & Financing FAQ
People often ask us

Access up to $500,000 application-only, and choose from lease or loan options. You can learn more by talking to a First Citizens representative at your local branch.

Flexible construction equipment financing helps your company retain cash flow while acquiring the heavy equipment you need. We work to keep your monthly payments as low as possible so you can use your cash for other costs.

Additional benefits to financing your heavy equipment include:

  • Loans to help you upgrade your fleet and retain ownership of your construction equipment
  • More work efficiency when you acquire the latest tools
  • Up to 100% financing on select new or used construction equipment

When calculating the right financing structure for your business, we evaluate several factors, including your monthly budget, your business needs and how long your business has been in operation.

There are many reasons companies choose to lease construction equipment instead of purchasing it outright.

  • Liquidity: Free up your cash flow to invest in other expenses.
  • Technology: When your lease term is up, simply turn in old machinery and upgrade to the latest model.
  • Efficiency: Working with new equipment means the job is done sooner and more efficiently.
  • Flexibility: Your budget no longer has the restrictions of maintenance and repair costs associated with keeping aging equipment in your fleet.

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

Not all applicants will qualify for financing. All finance programs and rates are subject to final approval by First-Citizens Bank & Trust Company and are subject to change at any time without notice.

First Citizens Bank & Trust Company and the parties referred to herein as "partners" are not "partners" of one another and have not entered into a "partnership", whether general or limited, as such term is used in the legal or literal sense.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third-party website.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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Supporting financial documentation may be required for any transaction with First Citizens.