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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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Year-End Strategies for Your Firm

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Updated quarterly, this curated page provides timely insights tailored to your industry. This quarter, we’re focusing on year-end financing strategies for AEC firms. The right financing strategy can free up cash, capture deductions, and set your firm up for success in 2027. 

Industry Insights

Featured Industry Insights

Prepare for 2027: Economic Trends Shaping Growth

As you plan for 2027, understanding the forces shaping the economy can help you make more informed investment and financing decisions. Drawing from insights shared by Gerard Cassidy, Managing Director at RBC Capital Markets, here are three trends that may influence business strategy in the year ahead.

1

An Evolving Rate Environment

Interest rates remain an important area to watch as the broader economic environment evolves and expectations around future rate changes continue to shift. 

2

AI Continues to Drive Investment

Investment in AI, technology infrastructure, and data centers continues to be an important driver of business investment and economic growth. 

3

A Resilient Labor Market

Despite slower hiring, the labor market remains relatively stable, providing continued support for the broader economy.

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Five Financing Strategies to Position Your Firm for Success

When evaluating investment priorities, consider how financing can help your firm:

Maintaining multiple financing relationships can expand access to capital, strengthen negotiating leverage, and provide flexibility to choose the right structure for each initiative. In a volatile environment, diversified lending sources help reduce risk and preserve options.

A lease line allows firms to draw capital as needed, rather than all at once. This helps ensure funding is ready for next year’s projects, while floating-rate options may capture savings if rates decline.

Deferred, step, or seasonal payment structures can help support investments in technology, office upgrades, or other projects without placing added pressure on year-end budgets. Tailored schedules align spending with revenue cycles. 

With 100% depreciation reinstated under Section 1791, qualifying equipment purchases can be fully expensed to reduce taxable income. Further, exploring alternative financing structures may provide even greater tax and accounting benefits.

Equipment purchased in the last 6–12 months may be eligible for a sale leaseback, freeing capital for strategic priorities and greater flexibility heading into 2027.

Two colleagues walking through a modern office corridor while reviewing printed documents together. Glass-walled offices line one side of the hallway, and wood flooring extends throughout the workspace.

Five Financing Strategies to Position Your Firm for Success

When evaluating investment priorities, consider how financing can help your firm:

Maintaining multiple financing relationships can expand access to capital, strengthen negotiating leverage, and provide flexibility to choose the right structure for each initiative. In a volatile environment, diversified lending sources help reduce risk and preserve options.

A lease line allows firms to draw capital as needed, rather than all at once. This helps ensure funding is ready for next year’s projects, while floating-rate options may capture savings if rates decline.

Deferred, step, or seasonal payment structures can help support investments in technology, office upgrades, or other projects without placing added pressure on year-end budgets. Tailored schedules align spending with revenue cycles. 

With 100% depreciation reinstated under Section 1791, qualifying equipment purchases can be fully expensed to reduce taxable income. Further, exploring alternative financing structures may provide even greater tax and accounting benefits.

Equipment purchased in the last 6–12 months may be eligible for a sale leaseback, freeing capital for strategic priorities and greater flexibility heading into 2027.

As economic conditions continue to evolve, First American helps AEC firms finance growth, preserve flexibility, and align capital strategies with long-term business goals.

About First American

A Preferred Lender for AEC Firms

Strength & Stability

Ranked #12 among the largest bank-owned equipment leasing companies in the U.S.2

Proven Track Record

7,500+ clients nationwide, including 250+ AEC firm clients.

Global Scale Security

Heightened standards and requirements as part of one of the world's top 10 global banks.3

Significant Financing Volume

$2.3B in equipment leases and loans funded in 2025.

About First American

A Preferred Lender for AEC Firm Executives

Strength & Stability

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

Proven Track Record

7,500+ clients nationwide, including 250+ AEC firm clients.

Global Scale Security

Heightened standards and requirements as part of one of the world's top 10 global banks.2

Significant Financing Volume

$2.3B in equipment leases and loans funded in 2025.

Trusted by Leading AEC Firms

Check out our upcoming webinar with Deltek!

Join First American and Megan Miller from Deltek as we explore the latest findings from the 47th Annual Deltek Clarity A&E Industry Report and discuss what they mean for growth, profitability, talent, technology investments, and strategic planning in 2027.

Register now
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Recent Webinar: 2026 Economic Forecast

In this session, Gerard Cassidy with RBC Capital Markets explores the resilience of the U.S. economy, the impact of interest rates and inflation, and key economic trends shaping the market. Backed by real-time data and historical context, this webinar shares timely insights for businesses and investors alike.

Interested in Learning More?

Connect with Nick

Tap into the expertise of one of the country’s largest equipment finance companies.2 Tell me your business needs and we can start exploring funding options today.

1Source: One Big Beautiful Bill, Library of Congress

2Source: Monitor 100 2026 | Vol. 53, No. 4

3Source: RBC, RBC at a Glance – Q3/2026

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.