Serving diverse industries, nationwide

Same day approval on qualified applications up to $250,0001

Financing available including soft costs

Experienced team with a proven track record

No down payments or up-front costs. Flexible terms up to 84 months

Leasing doesn’t require large amounts of capital up front, so this is an excellent option to maintain your cash flow.

Quick, straightforward approvals

You’ll experience our unmatched personal services throughout the leasing process. Most approvals happen within hours once all applications are submitted.2

Benefits of equipment leasing and financing

Leasing provides 100% financing, it’s a hedge against inflation, can eliminate the risk of equipment becoming outdated, and it’s convenient and flexible.

A few of the industries we serve


Material handling

Information technology


The proof is in the deals

Don't take our word for it, here are some of our recent deals.

Ready to connect?

We’d love to help with your equipment financing needs. To get started please provide us with some information to help get the conversation started. Submit this form and one of our bankers will be in touch soon.

We finance diverse industries

With an unmatched range of industries, as well as depth of industry knowledge, you can rest assured that our equipment leasing and finance solutions deliver the most competitive and flexible financing in your industry.

Frequently asked questions

Financing equipment could be the right option for you if you want to conserve cash or plan to update equipment periodically. Equipment financing requires no down payment or up-front costs, and terms can be flexible up to 84 months. At the end of the term, you can purchase at the agreed-upon price or return. You can include “soft costs” such as installation and training. Plus, there are tax advantages; as an expense, lease payments may reduce tax liability. By financing equipment you spread costs over its useful life and make payments as you use it.

Finally, partnering with experts to finance equipment gives you in-depth industry knowledge, which can reduce acquisition mistakes.

For transactions up to $250,000, only a one page application is required. For transactions over $250,000, two-years of company financials and current interims often satisfy our credit review.

All new and pre-owned equipment, software, installation charges, delivery charges, tooling and training can be included in your lease or financing. Peripheral equipment can also be included (i.e. dust collection systems).

With leasing and equipment finance, a customer pays to use the equipment rather than to own it. “Lease rates” (or rate factors) vary depending on the structure, equipment type, and term. It is not typical to disclose lease rates in the commercial leasing industry. Rates on equipment term loans are fully disclosed.

Yes. No payment is made to the equipment vendor until you have provided authorization and verbally confirmed to First Financial Equipment Finance that you authorize payment to the vendor.

Our dedicated team can customize lease programs and structures that address individual business and cash flow needs while providing a fast turn-around of credit, documentation, and funding.

A documentation fee of $500-$2,500 is due along with the first payment at closing. As with a loan, your customer, the borrower, is responsible for any tax associated with the purchase or use of the equipment. This includes sales, usage, and personal property tax. Any taxes paid on behalf of the borrower may contain a small processing fee.

Payments are prorated and due on the first of the month. Invoices start on the acceptance date and bill monthly through the end of lease term.

Leasing or financing can provide a more rapid write-off because the lease term is often shorter than the depreciable life of the equipment, and the monthly payments are often 100% tax deductible as a pre-tax business expense. Consult your tax advisor for specific information. For the most up-to-date information, go to*

*Note that First Financial Bank cannot provide specific financial, accounting or legal advice. 

Section 179 of the IRS tax code currently allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. It’s an incentive created by the U.S. government to encourage businesses to buy equipment and invest in themselves.*

*Note that First Financial Bank cannot provide specific financial, accounting or legal advice.

More to explore

All leases and loans subject to credit review and approval.

$250,000 application only; however for certain industries such as construction and material handling equipment, applications can be up to $500,000, subject to credit. For loans and leases $250,000+ more documentation may be required including, previous three fiscal year-end financial statements or tax returns and interim financial statements, personal financial statements and/or tax returns.

For most transactions up to $250,000, you will receive a credit decision within one business hour, dependent on the accuracy of information provided.


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