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

Normal credit approval applies.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941