Equipment Financing — First Citizens Bank
Equipment Financing for Your Organization
Get the technology your school, agency, or organization needs today — pay over time. Financing from $5,000 up to $3 million.
Apply for Financing
Powered by First Citizens Bank Equipment Finance
2+ Years in Business
Minimum business history required
600+ FICO Score
Minimum credit score to qualify
$5K – $3M
Financed from $5,000 up to $3 million
24–60 Month Terms
Flexible payment terms available
Why Finance With Us
100% Financing
No money down — finance the full invoice and keep your cash working.
Up to $500K App-Only
Amounts up to $500,000 with a simple one-page application — minimal paperwork, fast decision.
Lease or Loan
Choose the structure that fits your tax and accounting needs.
Up to $3,000,000
From a single unit to a full institutional rollout.
Who Can Apply?
School Districts
Projectors, AV systems, classroom technology
Government Agencies
State, local & federal procurement
Houses of Worship
Churches, synagogues, mosques
Corporations
Conference rooms, AV solutions
Universities
Campus-wide technology solutions
Medical Facilities
Healthcare technology equipment
Eligible Equipment Categories
- ✅ Projectors & Display Systems
- ✅ Professional Cameras & Video Equipment
- ✅ Audio Visual (AV) Systems
- ✅ Conference Room Technology
- ✅ Barcode Scanners & Point of Sale Equipment
- ✅ Drones & Imaging Equipment
- ✅ Computers & Workstations (sizable invoices)
- ⚠️ Laptops — eligible only as part of a larger invoice ($5,000+)
💡 Section 179 — Write Off Your Equipment This Year
Section 179 of the IRS tax code lets qualifying businesses deduct the full purchase price of eligible equipment in the year it is placed in service. Combined with bonus depreciation, you may be able to write off most or all of the cost in a single tax year instead of depreciating it slowly over time — so the tax savings can offset a meaningful part of your financing payments.
Estimate your potential savings with the First Citizens Section 179 calculator. BuyDirect & Save is not a tax advisor — please confirm eligibility and current deduction limits with your accountant or tax professional.
📋 Financing Disclaimer
Financing is subject to credit approval through First Citizens Bank Equipment Finance. Minimum requirements: 2+ years in business, 600+ FICO score. Financed amounts from $5,000 up to $3,000,000, with 100% financing available and amounts up to $500,000 eligible for a simplified application-only process. Terms available from 24–60 months, structured as a lease or loan. Laptops may be excluded unless part of a larger qualifying invoice. BuyDirect & Save is not a lender or a tax advisor. All financing is provided by First Citizens Bank Equipment Finance. Apply at buydirectny.firstcitizensef.com.
Ready to Apply?
Our dedicated Lending Solutions Manager Jacob Zreineh is ready to assist you.
Apply for Financing NowQuestions? Call us: (888) 282-1350 or (646) 866-7413
Email: sales@buydirectny.com
