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Leasing & Financing

Whether you are a business executive looking to invest in new equipment or a vendor seeking financing options for your clients, you can leverage flexible financing through First American.

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Case Studies

See firsthand how organizations have achieved their goals with customized financing from First American.

Hear From Our Clients

Financing Insights for a Strong Start to 2026

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Updated quarterly, this curated page provides timely insights tailored to your industry. To succeed in a shifting economic landscape, insurance company leaders must make strategic capital investments. Discover how First American’s custom financing solutions can help streamline operations, deliver tax advantages, and fuel sustainable growth.

 

Industry Insights

Featured Industry Insights

Financing Insights for a Strong Start to 2026

As insurance companies plan for a strong start to 2026, strategic financing is becoming essential for managing growth, technology upgrades, and evolving client expectations. By smoothing out large project investments and preserving cash for higher-value priorities, flexible financing solutions empower organizations to modernize operations, accelerate digital transformation, and enter the new year with confidence.

Why Leasing Can Deliver More Value Than Ever

Leasing avoids the capitalization of non-admitted assets under statutory accounting, helping maintain surplus, while also strengthening liquidity and balance-sheet metrics recognized by rating agencies like AM Best.

Leasing provides budget consistency, with fixed monthly payments that are spread out over time. Lease agreements typically provide the lowest monthly payment, giving you access to a lower cost of capital.

A lease can allow you to pay less than the cash purchase price for the equipment and help avoid other indirect costs of ownership, like ongoing maintenance.

Insurance carriers who choose lease financing can preserve cash for high-ROI investment opportunities, enhancing portfolio returns while maintaining balance-sheet strength.

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Why Leasing Can Deliver More Value Than Ever

Leasing avoids the capitalization of non-admitted assets under statutory accounting, helping maintain surplus, while also strengthening liquidity and balance-sheet metrics recognized by rating agencies like AM Best.

Leasing provides budget consistency, with fixed monthly payments that are spread out over time. Lease agreements typically provide the lowest monthly payment, giving you access to a lower cost of capital.

A lease can allow you to pay less than the cash purchase price for the equipment and help avoid other indirect costs of ownership, like ongoing maintenance.

Insurance carriers who choose lease financing can preserve cash for high-ROI investment opportunities, enhancing portfolio returns while maintaining balance-sheet strength.

Commonly Financed

 

Technology Assets

Insurance organizations continue embracing technologies that support a hybrid work model. Leasing IT assets allows firms to stay up to date with the latest advancements and maintain a competitive edge - without incurring the upfront and ongoing costs with purchasing.

Examples: Laptops, networking infrastructure, secure servers, virtual collaboration tools

Software Implementation & Internal Development Costs

Insurance carriers continue to make significant investments in software to support operations and competitiveness. Using lease financing for up to 100% of these projects helps avoid a one-time hit to surplus, while spreading out the payments for these significant initiatives.

Examples: Accounting systems, policy administration, billing & claims, analytics, Workday, GL System

Office Furniture & Capital Improvements

As workplace expectations evolve, companies are rethinking their office environments to support collaboration and productivity. Leasing solutions can be used to cover up to 100% of the costs and structured to achieve unique accounting benefits.

Examples: Ergonomic furniture, high-tech A/V systems, sustainable lighting, advanced security systems, construction services

Commonly Financed

Laptop with checkmark and lines.

Technology Assets

Insurance organizations continue embracing technologies that support a hybrid work model. Leasing IT assets allows firms to stay up to date with the latest advancements and maintain a competitive edge - without incurring the upfront and ongoing costs with purchasing.

Examples: Laptops, networking infrastructure, secure servers, virtual collaboration tools

Software tab and gears.

Software Implementation & Internal Development Costs

Insurance carriers continue to make significant investments in software to support operations and competitiveness. Using lease financing for up to 100% of these projects helps avoid a one-time hit to surplus, while spreading out the payments for these significant initiatives.

Examples: Accounting systems, policy administration, billing & claims, analytics, Workday, GL System

Chairs, desk and lights.

Office Furniture & Capital Improvements

As workplace expectations evolve, companies are rethinking their office environments to support collaboration and productivity. Leasing solutions can be used to cover up to 100% of the costs and structured to achieve unique accounting benefits.

Examples: Ergonomic furniture, high-tech A/V systems, sustainable lighting, advanced security systems, construction services

Client Success Stories

Select a story below to explore projects we’ve financed for insurance companies.

About First American

A Preferred Lender for Insurance Executives

Strength & Stability

Ranked #12 among the largest bank-owned equipment leasing companies in the U.S.1

Proven Track Record

6,000+ clients nationwide

Global Scale Security

Heightened standards and requirements as part of one of the world's top 15 global banks2

Significant Financing Volume

$2.3B in equipment leases and loans funded in 2025

About First American

A Preferred Lender for Insurance Executives

Strength & Stability

Ranked #12 among the largest bank-owned equipment leasing companies in the U.S.1

Proven Track Record

6,000+ clients nationwide

Global Scale Security

Heightened standards and requirements as part of one of the world's top 15 global banks2

Significant Financing Volume

$2.3B in equipment leases and loans funded in 2025

Join us on the Road!

Looking forward to participating in some upcoming Insurance industry conferences and hope to see you there! 

  • 2026 IASA Midwest Spring Conference  
  • 2026 IASA Xchange  
  • NAMIC’s 131st Annual Convention 
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Commercial Card Program

First American presents City National Bank's Visa® Commercial Card that allows businesses to customize their program to meet their specific needs. Used as a business credit card for everyday expenses or a purchasing card for travel and entertainment, this card program offers convenient buying power along with the ability to easily monitor and manage employee expenses online. 

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Interested in Learning More?

Connect with Sonia

Tap into the expertise of one of the country’s largest equipment finance companies.1 Tell me your business needs and we can start exploring funding options today.

1Source: 2025 Monitor 100

2Source: RBC, RBC at a Glance – Q4/2025

This has been prepared for informational purposes only and is subject to change at any time without notice. It is not intended to be used as tax, legal, or accounting advice. Consult with a tax, legal, or accounting professional for guidance.