Commercial Equipment Leasing & Financing

Let us help you fund your next business investment

Custom commercial equipment finance solutions

First Citizens provides commercial equipment loans and leases for transactions up to $100 million and more, with terms and rates tailored to meet the needs of middle market and large-cap businesses.

100% equipment financing

Get up to 100% financing for new or used large-ticket capital equipment expenditures.

Direct originations

Our direct originators build relationships with CFOs and business owners to help provide creative solutions to service their capital equipment financing needs.

Indirect originations

Our indirect originators build relationships with our peer banking partners, second-tier leasing companies and other external third-party origination sources.

Expand your operations with secured capital

Apply for a commercial equipment lease or loan
Industries We Serve

Build your business with capital equipment financing

From the latest imaging technology to industrial forklifts, our competitive large ticket equipment finance program is designed to facilitate flexible financing options for a wide array of commercial equipment and vehicles. Let our experienced financial providers help you meet your commercial equipment leasing and financing needs.

  • Domestic ground transportation
  • Brown water marine transportation
  • Manufacturing - discrete and process
  • Construction and mining
  • Warehouse facilities
  • Renewable and power generation
  • Technology and telecommunications
Commercial Equipment Leasing & Financing Options

Flexible, affordable and innovative financing

Maintain and grow your company with capital equipment financing. We offer several financing solutions designed to help your business.

  • Fair Market Value, or FMV leases
  • Early Buyout Option, or EBO
  • Terminal Rental Adjustment Clause (TRAC) leases, or Split TRAC leases
  • Sale leasebacks
  • Capital leases
  • $1 purchase options
  • Term loans
  • Equipment-based revolving lines of credit
Commercial Equipment Leasing & Financing FAQ

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.

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

Finance

Deciding Between Equipment Leasing vs. Financing

Keep these factors in mind when choosing the best capital financing option for your commercial enterprise.
While there's no universal solution to the lease-or-buy debate, time is a clear distinguishing factor.
Finance

The Main Types of Commercial Loans Available for Businesses

There are several types of commercial loans you can choose for your company. Learn which will work best for your situation.
Before you jump into getting any loan, make sure you have a plan for how you'll use the funds you receive.
Operations

Preventing Logistics and Supply Chain Fraud

Logistics and supply chain management have grown more complex and competitive.
Data analytics can be a powerful, cost-effective tool to increase visibility along your supply chain.

Normal credit approval applies.

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NMLSR ID 503941