• Equipment Finance

    CIT Equipment Finance develops business solutions for small businesses and middle market companies for the acquisition of equipment and value-added services. It creates tailored technology and equipment financing and leasing programs for manufacturers, distributors, resellers, dealers, systems integrators and franchisors that are designed to help them increase their top and bottom line performance. It also acquires finance portfolios in its core markets: technology, office imaging, healthcare, industrial and franchise finance. Through these programs, CIT Equipment Finance provides a variety of financing and value-added services, from invoicing to asset disposition, customized to their customers' needs.

    Products & Services

    • FlexAbilityTM - Flexible Solutions for Selling and Invoicing 
    • Capital and operating leases 
    • Customized financing structures 
    • Collateral or cash flow loans 
    • Discounting programs 
    • Portfolio acquisitions 
    • Refresh programs 
    • Ownership programs 
    • Channel financing 
    • Financing of managed services and cloud solutions 
    • Robust web tools for clients and end user customers
    • Franchise Finance
    • 1:1 Personal services for major account customers

    Key Areas of Focus

    • US commercial customers of all sizes
    • Office Imaging industry (e.g., copiers, printers, scanners, document management systems, managed print services)
    • Technology industry (e.g. computer hardware and peripherals, software, cloud services, managed services)
    • Telecommunication industry (e.g., telephony office systems, telecom industry infrastructure)
    • Healthcare (e.g., medical and laboratory diagnostic equipment, imaging systems, patient monitoring systems, patient archiving and communication systems, electronic health records and other software systems, therapy devices, aesthetic equipment, pharmacy management equipment, dental and veterinary office equipment)
    • Industrial (e.g., construction and power equipment; agricultural machinery and equipment; light industrial equipment; robotics equipment; forklifts and other material handling equipment; food processing, packaging and labeling equipment; transportation vehicles such as over the road tractors and trucks, trailers, utility trucks, emergency vehicles; HVAC installations; fitness or other franchise specific equipment; golf course equipment; water purification; and safes)
  • What is Equipment Financing?

    Watch "The Benefits  of Leasing" to see how CIT partners with vendors to offer their customers customized equipment financing solutions.

  • Vendor Partners turn to CIT Equipment Finance to:

    • Sell more equipment and help increase margin
    • Improve cash flow and liquidity while preserving capital
    • Close sales quickly
    • Establish new relationships and increase customer loyalty
    • Minimize exposure and investment requirements
    • Have a relationship that eliminates the cost and administrative burden of maintaining an in-house leasing operation

    Customers turn to CIT Equipment Finance for:

    • Finance leasing with predictable, low monthly payments
    • Reduced upfront costs and preservation of capital
    • Flexible pay structures
    • Ability to bundle transactions
    • Keep up with changes to technology
    • Potential accounting and tax advantages
  • Resources


  • Related Content

    Learn how schools use computer leasing to keep up with changing technology. [Fast Facts]
    Chargeback programs can help companies control their document infrastructure. [Article]
    The education space uses computer leasing as a way to manage capital constraints. [Article]

    For most businesses getting the equipment needed to remain competitive while maintaining the capital necessary to keep the doors open is a balancing act.

    According to the Equipment Leasing and Finance Association, given today's economic climate and the rapid pace of technological obsolescence, nearly 80% of all U.S. companies utilize some form of equipment financing.

    If you are a small-to- mid-sized business interested in acquiring equipment, software or value-added services, but don't want to disrupt cash flow, here are three reasons why equipment financing may be right for you.

    Equipment Leasing 2 thumbnail 1. It helps to maintain cash flow…

    Equipment financing can help to reduce upfront costs and improve your working capital position by freeing up cash that can be used for other areas of your business, like expansion, improvements and marketing.

    2. It helps to minimize risk…

    Equipment financing can help mitigate the uncertainty of investing in the capital assets your business needs until it achieves a desired return and meets other business objectives.

    3. It can help you stay ahead of the curve…

    With equipment leasing you can stay on top of the latest tech advancements and resulting efficiencies.  In some finance structures, you can even replace your equipment within the term of the lease and rely on lessor services for properly disposing of old equipment according to environmental and data security regulations.

    The next time you are acquiring equipment, software or managed services, ask your supplier about finance solutions.   

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