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Leasing Products

Equip your business with the right leasing solutions.

F.N.B. Equipment Finance offers flexible terms, affordable options and outstanding customer service. Our experienced team offers a broad range of equipment financing options to help your business.

Leasing Solutions

Asset-Based Lending

To support operations, businesses need access to the right equipment. If you run a company, you want flexible lease terms for your equipment acquisitions from a local bank that understands your needs. Our leasing products help businesses finance a wide range of equipment with efficient approvals and multiple repayment options.

If you are an equipment vendor, you need a trusted banking partner to help customers get financing when they are ready to make a purchase. Learn more about FNB vendor programs to support dealers and manufacturers.

Leasing Products Available

We offer several leasing products to meet your specific need. Our Relationship Managers can help you determine which product is right for you based on your business size, equipment needs, credit history and more. Leasing options include:
  1. Terminal Rental Adjustment Clause (TRAC) Lease

    TRAC Lease box

    A TRAC Lease can be the right lease for your business if you are looking to reduce the cost of expensive transportation equipment.

    • 100% financing available
    • Monthly payments are fully tax deductible1
    • Lease terms often more attractive than purchasing
  2. Municipal Lease

    FNB Municipality Application

    When municipalities need to invest in equipment or expand their facilities, a municipal lease can deliver financing support without straining cash flow.

    • Flexible repayment schedule
    • 100% financing available
    • Fixed monthly payments
  3. Tax Exempt Lease

    Tax Exempt Lease box

    If your nonprofit organization is looking to make equipment acquisitions or to expand existing facilities, a tax-exempt lease may be the answer to improving cash flow while providing project financing.

    • Improved cash flow
    • 100% financing available
    • Flexible lease structures
  4. Fair Market Value (FMV) Lease

    Fair Market Value Lease box

    A Fair Market Value Lease is often the most affordable leasing option, especially if you are acquiring technology-based equipment.

    • Affordable leasing option
    • Good for upgrading your technology
    • Fixed monthly payments
  5. Lease Lines of Credit

    Lease Lines of Credit box

    If you expect to make equipment purchases in the near future, a Lease Line of Credit is a pre-approved line that is ready when you are.

    • Pre-approved spending limit
    • Funds available for set period of time
    • Can add additional leases up to your credit limit
  6. Conditional Sale

    Conditional Sale box

    With a Conditional Sale Lease, you can take possession of the equipment you need right away and have the option to buy it out at the end of the lease.

    • Take possession right away
    • 100% financing available
    • Flexible repayment schedule

Benefits of Equipment Leasing and Lease Lines of Credit

While new equipment can help your business grow, finding the cash to purchase it isn’t always easy. Equipment leasing and lease lines of credit benefit business owners by:

  • Freeing up cash to use for day-to-day operational expenses.
  • Spreading out the cost of expensive equipment over time.
  • Avoiding expensive long-term maintenance on equipment that could become obsolete.

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Notices & Disclosures
1 - We do not provide tax advice; consult your tax advisor for more information.

Services are provided by Bank Capital Services, LLC, doing business as F.N.B. Equipment Finance, a subsidiary of First National Bank of Pennsylvania.

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