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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

Modernize with Confidence

Smarter automation. More control. Strategic CapEx.

Transform Production with Flexible Financing

Automation is reshaping how food and beverage manufacturers reduce downtime, improve output, and stay ahead of demand. With the right financing strategy, teams can implement advanced systems without tying up significant capital—helping unlock efficiency faster and more affordably.

At First American, we’ve helped food and beverage companies of all sizes—from local companies to global brands—finance the equipment that keeps them moving. With a full suite of flexible financing options, we’re here to support your growth, one project at a time.

76% of executives plan to increase investment in AI to support efficiency and productivity.1 

Featured Industry Insights

Deloitte: 2025 Consumer Industry Outlook

Explore how companies are leaning into automation, AI, and digital tools to boost efficiency, manage labor challenges, and drive smarter decision-making. As margin pressures and consumer demands rise, strategic investments in these advanced technologies are becoming essential for long-term growth.
Read Report
Worker with fruit processing line

Food Processing: 2025 Capital Spending Outlook

Uncover how capital spending is expected to tighten in 2025, with many manufacturers planning to delay or scale back investments. As uncertainty looms, flexibility in how teams finance critical upgrades—especially around automation—will be more important than ever.
Read Report
Vegetable processing line

Food Dive: How AI is Reinventing F&B’s Approach to Sourcing

AI is reshaping how companies approach sourcing, helping teams anticipate demand, reduce waste, and respond faster to market shifts. This report highlights how smarter automation is becoming a strategic advantage—not just a cost center.
Read Report
Workers in warehouse

Streamline for Automation and Beyond with a Lease Line

1. Request Lease Line & Send Financials

Contact your First American representative to request a lease line for your automation or AI project. Submit 3 years of financials and your most recent interim statements to get started.

2. Credit Approval & Documentation

First American reviews your financials, processes your credit request, and provides the Master Lease documentation.

3. Order Placement & Equipment Delivery

First American places purchase orders (if needed) with your chosen automation or AI vendor, supporting multi-vendor coordination, phased delivery, and installation timelines.

4. Finalizing the Lease

Once final vendor invoices are received, First American will finalize your lease documents and process payment. For phased deliveries, progress payments can be made until all equipment is delivered and the lease begins.

5. Lease Begins

Your lease starts, and First American sends invoices directly to you, the lessee.

Top Reasons to Finance Automation

From packaging lines to cold storage systems, food manufacturers are finding smarter ways to modernize without tying up capital. Learn how flexible financing options can help you move faster, stay competitive, and protect cash flow.

Finance up to 100% of your project, including soft costs like software updates, implementation services, and consulting fees. 

Deploy your cash toward other strategic priorities—like talent acquisition or emergency purchases. 

Increase or decrease your payments to align with the expected profitability of your new equipment.

Explore Financing
Automation equipment and fruit processing line

Top Reasons to Finance Automation

From packaging lines to cold storage systems, food manufacturers are finding smarter ways to modernize without tying up capital. Learn how flexible financing options can help you move faster, stay competitive, and protect cash flow.

Finance up to 100% of your project, including soft costs like software updates, implementation services, and consulting fees. 


Deploy your cash toward other strategic priorities—like talent acquisition or emergency purchases. 

Increase or decrease your payments to align with the expected profitability of your new equipment.

Explore Automation Equipment Financing

Powerful Stories from Your Peers

Select an icon below to learn more about some of our recent projects

Read below to learn more about some of our recent projects

Scaled Expansion with Progress Payments

Organization: Snack Manufacturer

Client Since: 2023 

Equipment Financed: Automation and Storage Equipment

Financing Structure: $1 Buyout 

Term Length: 60 months

$24MM Funded

Investing in Major Expansion

A leading snack food company set out to increase production by upgrading a newly acquired facility with state-of-the-art equipment. While critical for growth, the eight-figure investment came with high upfront costs and long equipment lead times. Their primary lender was nearing capacity and planned to syndicate part of the lease—adding fees and complexity. To keep the project on track and maintain flexibility, the company sought an alternative financing solution.

Custom Funding Keeps Project on Track

First American structured a $24MM, 60-month lease with a 12-month progress funding period, helping the company manage cash flow while waiting for equipment delivery. First American facilitated milestone payments throughout the year to meet vendor requirements and keep the project on track. By aligning the lease with existing financial agreements, we delivered a streamlined solution that minimized disruptions. This flexible approach allowed the manufacturer to successfully scale production, preserving capital for other important business initiatives.

Citrus Cooperative

Organization: Citrus Cooperative

Client Since: 2019 

Equipment Financed: Packaging Equipment

Financing Structure: $1 Buyout 

Term Length: 72 months

$327K Funded

Expanding Operations While Preserving Capital

Seald Sweet was looking to expand their production strategy by acquiring new packaging equipment. The Florida-based citrus cooperative wanted to preserve cash and avoid the upfront costs of purchasing equipment directly. The company sought a lender with significant experience serving the food & beverage industry that could provide favorable and transparent terms.

Tailored Lease Supports Long-Term Growth

First American quickly developed a flexible financing solution for Seald Sweet that met both their short- and long-term cash flow goals, including the ability to purchase the equipment outright at lease-end. They also appreciated First American’s dedicated project manager who successfully handled all aspects of the transaction from start to finish.

Production Line Expansion

Organization: Impact Confections 

Client Since: 2022 

Equipment Financed: Packaging and Automation Equipment 

Financing Structure: Fair Market Value Lease

Term Length: 60 months

$1.2MM Funded

Supporting Scaled Growth

Impact Confections, a leading U.S.-based candy manufacturer, needed to expand capacity at their Colorado facility to meet growing customer demand. To keep pace, the team invested in new packaging equipment to improve manufacturing output and efficiency on the production line. With a tight timeline to get the equipment up and running, they needed a financing solution that could move quickly. Rather than tying up capital with an outright purchase, they sought a more flexible approach—without delaying delivery or disrupting cash flow.

Strategic Lease Powers Production Upgrade

First American structured a Fair Market Value lease to support the company’s long-term growth strategy. The flexible terms enabled Impact Confections to acquire and install automation equipment while preserving capital for other initiatives. The flexible terms enabled Impact Confections to acquire automation equipment while preserving capital. The lease structure also helped the company mitigate tax liability by deducting rental payments as an operating expense. A dedicated project manager coordinated vendor payments and timelines, working quickly and efficiently to meet deadlines and keep the project on track. As a result, Impact Confections expanded production without compromise—maintaining both operational efficiency and financial agility.

Streamlined Efficiency with Automation

Learn how SugarCreek, a leading co-packer, transformed operations with streamlined logistics and automation—driving efficiency at every step.

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SugarCreek building

Focused on Food & Beverage. Backed by Experience.

Our team brings deep industry knowledge and a strategic mindset to every conversation, helping you build a capital plan aligned with your operational goals.

Discover the Difference

Relationship Manager

Your dedicated point of contact, focused on understanding your business goals and structuring the right financing solution.

Project Manager

Oversees every detail of the financing process—from vendor coordination to funding—helping ensure a smooth, efficient experience from start to finish.

What You Need to Know About Equipment Leasing

What’s your take on equipment leasing? Explore common myths about this financing solution and uncover real benefits of diversifying your funding strategy.

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Ready to learn more?

Connect with a financing expert today

Our commitment to your success extends beyond words. Discover how our industry-aligned team and solutions can help propel your food and beverage business to new heights.

1Deloitte, 2025 Consumer Products Industry Outlook