Try a capital lease/$1 purchase option
Frequently used to acquire an asset for your practice or business, this option allows your business to depreciate the cost of the equipment and expense the interest portion of the payment.
Custom tractor and trailer financing solutions
Acquire the vehicles your business needs and maintain your cash flow with tractor and trailer financing through First Citizens. We offer both capital leases and terminal rental adjustment clause, or TRAC, tax leases for both tractors and trailers, with custom tailored terms to meet your tax and accounting needs.D
Financing solutions are ideal for small and mid-sized companies with fleets of 10 to 100 units, as well as for distributors and manufacturers.
Tractor & Trailer Financing Solutions
Select the right financing for your business
Benefit from a TRAC lease
If you operate a fleet from 10 to 100 units, you can reduce your monthly payments with a TRAC lease. Get up to 100% financing for leases with a guaranteed residual purchase option.
Take advantage of term loans
We offer loan financing up to 100% for new and used vehicles. Typical terms are up to 5 years and can be structured to suit your needs.
Get started easily
Choose the tractor or trailer you want to finance, then select the dealer and negotiate pricing. Once credit approval is received, we'll prepare the closing documents and pay the dealer for your purchase.
Reap the benefits
Up to 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.
Get your fleet moving with tractor and trailer financing
Is it better for you to purchase or lease equipment?
Business Digital Banking
Manage your business on the go
Manage your accounts from anywhere
Send & transfer money with 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 & transfer money with ACH and wires
Business Digital Banking
Manage your business on the go
Receive account and security alerts
