Business Equipment Financing & Leasing

Options for your business investments

Equip your business for success

Finance essential equipment and vehicles for your business or provide financing to your customers.

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
Learn more about vehicle and equipment financing

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
Learn more about tractor/trailer financing

Vendor Financing

Connect customers with the financing solutions they need.

  • Flexible financing options
  • Real-time status tracking
  • Quick application decisions
  • Dependable, experienced support
Learn more about vendor financing

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
Learn more about pre-approved credit lines
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

Learn more about business digital banking
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

Learn more about business digital banking
Equipment financing and leasing 101

Explore your options

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Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Learn more about Remote Deposit Capture
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
Learn more about our Rewards credit card
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.

To finance a tractor or trailer, select the dealership and vehicle you'd like, then talk to a First Citizens representative at your local branch. Once you receive a payment estimate based on the cost of your vehicle, you can apply for financing and receive a quick decision. Upon credit approval and document signing, we'll pay the dealership for your vehicle.

Normal credit approval applies.

Speed and performance are subject to applicant's local connectivity and other factors outside First Citizens' control.

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

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

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.