• Capital Equipment Finance

    CIT Capital Equipment Finance provides equipment loans and leases for transactions ranging in size from $3 million to $100 million and more. We offer flexible terms of up to eight years, with advance rates tailored to the equipment and credit strength of the borrower. 

    Products & Services

    • New and used equipment loans and leases
    • Equipment refinancing arrangements
    • Sale-leaseback transactions
    • Senior term debt financing
    • Lease lines of credit for equipment capital expenditures
    • Cash flow loan structures
    • Asset-based revolving lines of credit

    Key Areas of Focus

    • Aerospace & Defense
    • Automotive
    • Construction 
    • Distribution 
    • Food, Beverage and Agriculture 
    • General Manufacturing 
    • Healthcare and Medical 
    • Island Marine
    • Machine tools 
    • Materials handling 
    • Media and Entertainment 
    • Metals 
    • Mining 
    • Packaging 
    • Plastics 
    • Printing 
    • Pulp & paper 
    • Supermarkets/convenience stores 
    • Textiles 
    • Trade & service 
    • Trucking & logistics 
    • Utilities
  • Capital Equipment Finance Advantages

    • Equipment acquisition financing or leasing allows companies to take possession of equipment quickly, while preserving working capital for other strategic purposes
    • With a secured loan, companies can take advantage of the equity in their existing equipment, or use newly-purchased equipment as collateral
    • A revolving line of credit enables companies to improve their cash flow and restructure their debt according to their current and future requirements
    • Certain lease structures can improve cash flow for companies by reducing their initial investment and monthly payments
    • Several structures help companies divest obsolescence risk, and provide flexibility to match equipment needs with business cycles
    • Businesses can match terms of funding with useful life of equipment
    • Companies have the option to choose either fixed or floating rates
    • Equipment financing can result in varied accounting and tax benefits
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