Commercial Equipment Leasing & Financing

Let us help you fund your next business investment

Custom equipment finance solutions

First Citizens offers flexible financing options for a wide array of commercial equipment and vehicles. From the latest imaging technology to aircraft ownership, our competitive Equipment Finance & Leasing, or EF&L, program is designed to meet the needs of both micro-sized and multi-million-dollar commercial businesses.

100% equipment financing

Get up to 100% financing for new or used commercial equipment and vehicles.

Tractor and trailer financing

Secure financing that's ideal for commercial businesses with fleets of 10 to 100 vehicles.

Vendor financing

Get financing for your customers at competitive rates. Learn more about how to offer vendor financing directly to your customers.

Commercial Equipment Leasing & Financing Services

Equip your company for success

A variety of commercial equipment loan and lease options

We offer loan and lease financing up to 100% for new and used commercial equipment and vehicles. Typical terms are up to 5 years and are structured to meet your tax and accounting needs.D

Finance your fleet

Businesses operating a fleet of vehicles from 10 to 100 units can take advantage of specialty truck, tractor and trailer financing. Get up to 100% financing for leases with a guaranteed residual purchase option. Reduce your monthly payments with a Terminal Rental Adjustment Clause, or TRAC, lease.

Offer financing to your customers

Equipment dealers can offer vendor financing directly to customers through First Citizens. With this service, you can accept applications from your customers, generate quotes online and receive approval for financing within hours. We handle the paperwork and offer competitive rates so you can close even more sales.

Pre-approved credit lines

Over the course of a year, commercial businesses typically purchase multiple pieces of equipment and vehicles. We offer pre-approved lines of credit to fund these purchases when they occur. Order the equipment, provide us with the invoice and request closing documents—it's that simple.

Flexible guidance and expertise

Our Equipment Finance & Leasing Officers, or EFLOs, partner with you to navigate options and create a custom commercial equipment finance solution. We provide financing for a wide range of industries, including medical, professional services, manufacturing, and transportation and logistics.

Commercial Equipment Expense Calculator

Should I lease or purchase my equipment?

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People often ask us

To apply for commercial equipment leasing and financing, reach out and talk to a banker.

For most commercial 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 that financing may be structured in a variety of ways to meet your tax and accounting needs.

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 commercial equipment leasing and financing options in detail with you and your accountant.

We offer a variety of commercial equipment leasing and financing options, which you can learn more about when you talk to a banker.

Commercial Equipment Leasing & Financing Insights

Grow your expertise

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Subject to credit approval.

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

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