Equipment Financing and Leasing

Customized and flexible financing solutions for your equipment needs.

The right solutions for your unique needs

Raising capital. Optimizing 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.

Why work with us

Our expertise coupled with a consultative approach enables us to deliver the right solutions to support your unique equipment financing needs. By leveraging our syndication capabilities we are able to meet a client's financing needs regardless of size or complexity. Led by an experienced team of syndicators, we diversify a client's capital providers through our network of funding sources, including non-bank investors, while retaining continuity and all relationship advantages of working only with Citizens Asset Finance.

Expertise across a range of industries

Aircraft industry knowhow. Certainty of execution. A client-first approach. Our Business Aviation team is comprised of professionals from across the U.S. who specialize in business aviation finance.

By leveraging strong relationships across top aircraft manufacturers, aircraft brokers and management company networks, we’re able to bring the most complete and cost-effective ideas and finance solutions to meet our clients’ aircraft mission, tax and accounting objectives.

Our core financing solutions include:

  • Traditional debt financing
  • Refinancing
  • Non-recourse debt financing
  • Tax leases
  • Synthetic leases
  • Progress payment financing
  • As a lessor with a mature lease portfolio, we have aircraft inventory available for lease or for sale

Over the last decade, the trucking industry has seen significant changes, from demographic shifts to sweeping technological innovations. To stay competitive, trucking companies have had to adapt, often by leveraging the value of their greatest physical assets.

We offer an extensive array of loan and lease options to help private and for-hire carriers. Whether you are planning to expand or 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.

Our core financing solutions include:

  • Secured term loan, tax-advantaged equipment leases and lease lines of credit for private and for-hire carriers - on terms of 4 to 10 years
  • Fixed or variable terms, using interest rate swaps or LIBOR indices
  • Funding and balance sheet holding of transactions between $250,000 to $150MM

Rent. Lease. Buy. Construction companies continually face this question as they seek the optimal financing mix for their business to grow efficiently with the market.

Our team works with all stages of the supply chain, providing insight into the mindset of dealers, manufacturers and leasing companies to inform both practical and strategic advice for our clients.

Our core financing solutions include:

  • Secured term loans, tax advantaged equipment leases and lease lines of credit for a wide range of equipment types - including construction equipment, cranes, mining equipment and recycling equipment - on terms of 4 to 10 years.
  • Fixed or variable terms using interest rate swaps or LIBOR indices
  • Funding and balance sheet holding of transactions between $250,000 to $150MM
  • Turnkey financing for projects involving earthmoving and mining, roads and transportation, excavation and lifting

Commodity price volatility and a seemingly unyielding growth in global supply are having a dramatic impact on the Oil & Gas sector.

Adding to the volatility are uneven global economies, stricter regulations and growing geopolitical tensions. In the face of such volatile markets, optimizing capital structure and finding the right financing in the context of current industry demands are critical to success. Financing existing reserves. Managing supply chain efficiency. Funding acquisition and expansion.

To support development and enable a level of certainty in a shifting market, we provide a single point of contact for a full suite of financing options and specialized banking services.

Balancing deft execution of capital commitments with long-term client investment, our experienced team delivers customized solutions to meet the needs of the Upstream, Midstream, Oilfield Services and Refining sectors, including:

  • Capital Markets capabilities providing advice and access to debt and equity capital markets for restructuring, recapitalizations or corporate development.
  • Commercial Financing to provide financial flexibility for working capital, acquire fixed assets, fund equipment leases and purchases or furnish growth capital.
  • Reserve Based Lending facilities for development financing, or general corporate purposes.
  • Currency & Interest Rate Risk Management to protect the value of capital against inflation, rising interest rates and fluctuating exchange rates.
  • Comprehensive Treasury Management solutions to optimize liquidity and streamline payables.

Changes in commodity demand, technology, and regulation have and will continue to evolve the landscape of railcar solutions for the shipper. As shippers continuously adapt to meet economic and industry requirements, an industry-savvy financial partner with years of combined experience in the rail sector can quickly provide the necessary financial solutions.

Our team understands the drivers affecting railcar values and we utilize this insight to make well-balanced investments for our clients and rail portfolio of over 8,500 railcars.

Our core financing solutions include:

  • Tax-advantaged equipment leases, recourse/non-recourse loans, sale-leasebacks for a wide range of Rail related new and used assets - including railcars, locomotives, track, yard, and MOW
  • Fixed or variable terms up to 15 years
  • Transaction sizes: $1 million - $150 million

Ready to take the next step? Get in touch with our team.

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© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

Citizens offers commercial equipment financing and leasing in the following states: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV or WY.

"Citizens" is the marketing name for the business of Citizens Financial Group, Inc. ("CFG") and its subsidiaries. "Citizens Capital Markets & Advisory" is the marketing name for the investment banking, research, sales, and trading activities of our institutional broker-dealer, Citizens JMP Securities, LLC ("CJMPS"), Member FINRA and SIPC (See FINRA BrokerCheck and SIPC.org). Securities products and services are offered to institutional clients through CJMPS. (CJMPS disclosures and CJMP Form CRS). Banking products and services are offered through Citizens Bank, N.A., Member FDIC. Citizens Valuation Services is a business division of Willamette Management Associates, Inc. (a wholly owned subsidiary of CFG).

Securities and investment products are subject to risk, including principal amount invested and are: NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE

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