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May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Business equipment loans help maintain your cash flow and keep things running smoothly. Our knowledgeable financial specialists can guide you toward flexible, competitive small business equipment financing and leasing options for your new, used or custom-built equipment and vehicles—so you can focus more on your business.
We offer business equipment leasing and financing solutions for a range of industries—from heavy equipment financing to golf and turf—so you have the equipment you need to run your business. Our specialists can also help you offer financing directly to your own customers, helping you close more deals.
Finance new or used heavy trucks, trailers or tractors, or use a Terminal Rental Adjustment Clause, or TRAC, lease to purchase transportation equipment.
We offer the convenience of pre-approved lines of credit to fund annual capital expenditures or multiple purchases.
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
To learn more about the business equipment financing services we offer, talk to 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. 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 capital lease allows you to depreciate the cost of the equipment. One of our Equipment Finance & Leasing officers can review our business equipment financing options in detail with you and your accountant.
Section 179 is a type of tax-advantaged financing that lets you invest in equipment and then deduct a substantial portion of the cost as an expense in the year in which you purchased it. This can help you reduce taxable income for your equipment purchase. Certain conditions apply, so you should talk with your financial professional about qualified financing before making your next purchase.
Use our Section 179 calculator to determine the potential tax savings for your financed equipment.
The information provided should not be considered as tax or legal advice. Please consult with your tax advisor.
Supporting financial documentation may be required for any transaction with First Citizens.
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.
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.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
NMLSR ID 503941
Speed and performance are subject to applicant's local connectivity and other factors outside First-Citizens Bank & Trust Company's control.
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Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.
To learn how we can help your business grow, contact our team today. Finance equipment up to $3 million.
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