Business Equipment Financing & Leasing

Options for your business investments

Vehicle & Equipment Financing

Finance or lease the equipment and vehicles your business needs.

  • Up to 100% financing for both new and used equipment
  • Flexible, custom-tailored repayment plans—typical terms up to 5 years
  • Loan or lease terms structured to meet your specific tax or accounting needsD

Tractor & Trailer Financing

Finance or use a Terminal Rental Adjustment Clause lease, or TRAC lease, to purchase new or used heavy trucks, tractors or trailers.

  • Ideal for companies with 10 to 100 trucks
  • You specify vehicles, select dealer and negotiate price
  • Up to 100% financing to minimize cash outlay

Vendor Financing

A convenient financing program you can offer your customers.

  • Quick credit application only process
  • First Citizens handles all paperwork
  • Competitive rates can offer additional sales and profit

Pre-Approved Credit Lines

We offer the convenience of pre-approved lines of credit to fund annual capital expenditures or multiple purchases.

  • Predictable rates and terms
  • Expedited closing and funding
  • Recordkeeping and reporting of usage
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
FAQ

People often ask us

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

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 business equipment financing options in detail with you and your accountant.

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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