Equipment Financing & Leasing

Options for your business investments

Equipment/Vehicle Financing

Finance or lease the equipment and vehicles your business needs.

  • Flexible terms, typically ranging from 3 to 5 years
  • Up to 100% financing available for both new and used equipment
  • Structured terms to meet your specific tax or accounting needsD

Tractor/Trailer Financing

Finance or lease the purchase of 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

Vendor Financing

A convenient financing program you can offer your customers.

  • Quick turnaround helps you close more sales
  • 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 large 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

To apply for equipment financing, contact 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.

Yes. A Capital Lease allows you to depreciate the cost of the equipment. One of our Equipment Finance and Leasing Officers can review your lease agreement details with you and your accountant.

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

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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