Tractor/Trailer Financing

Get your fleet on the road with affordable financing

Acquire the equipment your business needs and maintain your cash flow by financing your purchase through First Citizens. For road tractors and trailers, we offer both Capital Leases and TRAC (Terminal Rental Adjustment Clause) tax leases with custom tailored terms to meet your tax and/or accounting needsD.

Financing solutions can be ideal for small and mid-sized companies with fleets of 10-100 units as well as for distributors and manufactures.

Simple and Convenient

Select the right financing for your business

A Capital Lease/$1.00 Purchase Option

Frequently used to acquire an asset for your practice or business, this allows your business to depreciate the cost of the equipment and expense the interest portion of the payment.

A Tax (True) Lease

This provides financing for the use of the equipment or vehicle with a structure that best meets your needs and allows you to expense the lease payments.

It's easy to get started

Simply identify the tractor/trailer you want to finance, select the dealer and negotiate pricing. Once credit approval is received, we will prepare the closing documents and pay the dealer for your purchase.

Experience the benefits

100% financing is available with the first and last payments required at closing, along with an administrative fee. Lower lease payments are obtained due, in part, to vehicle residual values. Our competitive lease rates are frequently lower than commercial finance rates.

Finance your fleet today

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.

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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