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Commercial Leasing Info

Lease Financing Options

Our wide range of leasing products provides the solutions you need. Whether it’s time to replace outdated equipment or to expand your existing business, F.N.B. Equipment Finance can tailor a lease program to meet your needs.


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TRAC (Terminal Rental Adjustment Clause) Lease
A tax-oriented lease of motor vehicles or trailers that contains a Terminal Rental Adjustment Clause and otherwise complies with the requirements of the tax laws.

Tax Exempt Lease
Tax exempt leases are perfect for local townships and boroughs, emergency services and schools. Due to tax-exempt status, we are able to pass the savings on in the form of lower monthly payments.

FMV (Fair Market Value) Lease
At the end of the lease, you can choose to purchase the unit for the then Fair Market Value.  We remain as the Lessor and receive the tax benefit in the form of depreciation, while you get a lower monthly payment and can claim the entire payment as an operating expense.

Residual Programs
In a residual program, you can choose to have a percentage of the financed amount due in a lump sum at the end of the lease, typically as a 10%, 15% or 20% purchase option. This results in a lower monthly payment, and you have the opportunity to finance your purchase option at the end of the lease.

Lines of Credit
A Lease Line of Credit could be the perfect solution if you know you will have to purchase a significant amount of equipment in the course of a year.  One approval provides you with an entire year's worth of buying power up to an approved dollar amount.

Master Lease
Our Master Lease allows you to easily finance new equipment with minimal additional documentation.

Equipment Insurance
F.N.B. Equipment Finance can offer, through a third-party insurance partner, the coverage you need to fulfill your insurance requirements at competitive premiums.