Business Equipment Financing & Loans

Equipment financing solutions for your business

Business equipment loans that work for you

Finance your business equipment to maintain cash flow and keep things running smoothly. Our knowledgeable financial specialists can guide you toward flexible, competitive equipment financing and leasing options for your new, used or custom-built business equipment and vehicles—so you can focus more on your business.

Equipment & Vendor Financing Benefits

Build your business with equipment financing and leasing

We offer business equipment leasing and financing solutions for a range of industries—from heavy equipment financing to golf and turf—so you have the equipment you need to run your business. Our specialists can also help you offer financing directly to your own customers, helping you close more deals.

  • Flexible business equipment leasing and financing options
  • Up to 100% financing for both new and used equipment
  • Custom-tailored repayment plans, with typical terms up to 5 years
  • Loan or lease terms structured to meet your specific tax or accounting needsD
  • Real-time status tracking
  • Fast vendor financing credit application-only processD and competitive rates
Explore Equipment Financing Solutions
Explore Vendor Financing Solutions

Equipment & Vendor Financing Solutions
Serving a variety of industries

More options to consider

Tractor & Trailer Financing

Finance new or used heavy trucks, trailers or tractors, or use a Terminal Rental Adjustment Clause, or TRAC, lease to purchase transportation equipment.

  • Ideal for companies with 10 to 100 trucks
  • You specify vehicles, select the dealer and negotiate a price
  • Up to 100% financing to minimize cash outlay
Learn more about tractor and trailer financing
Contact us about tractor and trailer financing

Pre-Approved Credit Line

We offer the convenience of pre-approved lines of credit to fund annual capital expenditures or multiple purchases.

  • Predictable rates and terms
  • Expedited closing and funding
  • Recordkeeping and reporting of usage
Learn more about pre-approved credit lines
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

Learn more about business digital banking
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

Learn more about business digital banking

Equipment financing and leasing 101
Explore your options

FAQ
People often ask us

To learn more about the business equipment financing services we offer, talk to a First Citizens representative at your local branch.

For most business owners, the top two benefits are the ability to maintain cash flow and secure 100% financing. 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 capital lease allows you to depreciate the cost of the equipment. One of our Equipment Finance & Leasing officers can review our business equipment financing options in detail with you and your accountant.

Section 179 is a type of tax-advantaged financing that lets you invest in equipment and then deduct a substantial portion of the cost as an expense in the year in which you purchased it. This can help you reduce taxable income for your equipment purchase. Certain conditions apply, so you should talk with your financial professional about qualified financing before making your next purchase.

Use our Section 179 calculator to determine the potential tax savings for your financed equipment.

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

Supporting financial documentation may be required for any transaction with First Citizens.

Not all applicants will qualify for financing. All finance programs and rates are subject to final approval by First-Citizens Bank & Trust Company and are subject to change at any time without notice.

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