Raising capital. Finding tax benefits. Managing equipment risk. At Citizens Asset Finance, we make it our business to know your business. Our tenured team has an average of more than 20 years’ experience across essential-use asset classes and knowledge in key asset industries. We have the expertise to recommend smart ideas and deliver the right solutions to support your specific equipment financing needs:

Raise Capital

  • Receive up to 100% financing to free up capital for your growth priorities, to increase efficiencies and reduce out-of-service time
  • Monetize existing equipment through sale-and-leaseback arrangements

Manage Equipment Risk

  • Maintain the flexibility to adjust fleet size to meet demand, including the ability to use equipment without ownership
  • Upgrade equipment to keep pace with technological advances

Capitalize on Tax Benefits

  • Minimize after-tax financing costs through strategic allocation of tax benefits, such as off-balance-sheet financings
  • Improve multiples and financial ratios, including leverage and return on assets (ROA)

Explore more about how Citizens Asset Finance can bring relevant know-how to your business through our industry specialties:

  • Business Aircraft

    To meet the unique needs of the Business Aviation industry, our team offers comprehensive and competitive loan and lease options, as well as dedicated sales, credit, risk, asset management and legal resources to high net worth individuals, entrepreneurs and Fortune 500 Companies.

    To learn more about our dedicated Citizens Business Aviation finance team, please click here.

  • Commercial Vehicles

    To meet the unique needs of the Commercial Vehicles industry, we offer an extensive array of loan and lease options to help private and for-hire carriers expand or upgrade your fleet. Whether you are planning to upgrade your fleet immediately or incrementally improve your vehicles on the road, we provide optimal strategies for refinancing existing debt, generating additional liquidity, or engaging in capital markets transactions.

    To learn more about our dedicated Commercial Vehicle Equipment Finance team, please click here.

  • Construction

    To meet the unique needs of the Construction industry, we offer tax-advantaged secured term-loans, equipment leases and lease lines of credit to a wide range of segments – including Road & Highway, Public Works, Commercial & Residential Building, Mining, Oil & Gas and Dealers and Rental Companies – on terms of 7 to 10 years. We offer fixed or variable terms using Interest Rate SWAPS or LIBOR indices on transactions between $250,000 to $300MM.

    To learn more about our dedicated Construction Equipment Finance team, please click here.

  • Energy/Oil & Gas

    To meet the unique needs and challenges of Energy/Oil & Gas industry, we offer tax-equity investments to support a greener and more independent energy future. To help your company continue to invest in renewable energy, we aim to be your trusted financing partner to get you the tax credits and benefits you need.

  • Rail

    To meet the unique needs of the Rail industry, we offer tax-advantaged secured term-loans, equipment leases and lease lines of credit for a wide range of assets – including railcars, locomotives, track, yard and MOW – on terms up to 15 years. We offer fixed or variable terms using Interest Rate SWAPS or LIBOR indices on transactions between $1MM and $150MM.

    To learn more about our dedicated Rail Finance team, please click here.

  • Additional Industry Expertise

    Alternative Energy, Healthcare, Information Technology, Marine