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  • Illustration of a table with a laptop open showing a dollar sign and pie chart

    Equipment Financing

    Get the new and used equipment or technology your small business needs.

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    Up to $500,000

    Application only (in typical cases)

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    Term length

    6 – 72 months

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    As low as 5.49%

    For qualified customers

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    Funding speed

    As fast as 1 day

  • Build your business with equipment financing

    When your business needs upgraded equipment or technology to better serve your customers, you need access to payment options quickly. CIT offers funding in as fast as 1 day to help you secure the assets that will enable your business to expand. Access up to $500,000 application only, or up to $1 million with financials, and choose from loan or lease options. CIT offers flexible term lengths and repayment options to meet your business’ specific needs, and provides dedicated customer service to ensure you have a remarkable financing experience.


    Financing for just about any piece of equipment your business needs, including:

    • Restaurant equipment
    • Computer hardware & software
    • POS terminals
    • Construction equipment
    • Commercial vehicles
    • Capital equipment


    Get the payment choices you're looking for with our flexible financing options:

    $1 Buyout: Available as a lease or an Equipment Financing Agreement (EFA).

    Fair Market Value: Get a lower lease payment. At the end of the term, purchase the equipment or return it.

    Net Terms: Buy now and pay later with financing for 30, 60, or 90 days.


    Equipment financing products offer a wide variety of payment options and schedules.

    Payment Interval: Monthly. Seasonal and deferred payments are available.

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    Capital equipment financing

    For transactions ranging in size from $3 million to $100 million or more, work with our capital equipment finance team. We offer flexible terms of up to ten years with advance rates tailored to the equipment and credit strength of the borrower.

    Discover capital equipment financing
  • The Process


    Apply online.

    It can take as little as 3 minutes.


    Sign your documents electronically.

    We'll send your contracts in an online format.


    Get your financing.

    Ready to get started?

    Apply now