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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.

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Flexible Financing to Power Growth

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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 2026. Learn more below.

Industry Insights

Featured Industry Insights

Flexible Financing to Power Growth

As 2025 closes, AEC firms are navigating shifting rates, rising equipment costs from tariffs, and year-end tax considerations. A well-planned financing strategy can help manage expenses, maximize tax benefits, and maintain flexibility—setting your firm up for a strong close to 2025 and a solid start to 2026.

Five End-of-Year Strategies to Consider

Maintaining multiple financing relationships can help provide greater access to capital, stronger negotiating power, and the 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 allow firms to invest in technology, office upgrades, or other projects without straining 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 can be converted into cash through a sale leaseback. This approach turns fixed assets into working capital, giving firms added flexibility heading into 2026.

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Three individuals, including two in hard hats, collaborate over architectural plans in a modern workspace, representing construction or engineering planning.

Maintaining multiple financing relationships can help provide greater access to capital, stronger negotiating power, and the 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 allow firms to invest in technology, office upgrades, or other projects without straining 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 can be converted into cash through a sale leaseback. This approach turns fixed assets into working capital, giving firms added flexibility heading into 2026.

Simple Financing on Your Terms

100% loan-to-value financing

Short-term financing at SOFR-based rates

No cash or bank deposit requirements

Include equipment needs for international offices

All transactions are subject to credit approval. Eligibility for a particular service is subject to final determination by First American. Some restrictions may apply.

Commonly Financed

  • Office Buildouts & Renovations
  • IT Hardware & Infrastructure
  • Software Implementations
  • Software & Service Subscriptions
  • Insurance Premiums

Commonly Financed

Hard hat.

 

Office Buildouts & Renovations

Smartphone, tablet, and desktop computer.

 

IT Hardware & Infrastructure

Cloud with three connected lines ending in circles, symbolizing software implementation via cloud technology.

 

Software Implementations

Cloud connected to multiple devices including a smartphone, desktop, laptop, and tablet.

 

Software & Service Subscriptions

Shield with a checkmark inside.

 

Insurance Premiums

Client Spotlight

Organization

1,000+ Employee Engineering Firm

Building icon

Location

Chicago, IL

Location Icon

Project Scope

$3.1MM Software Renewal

Financing scope icon

The Challenge

A leading engineering firm based in Chicago was approaching the renewal period for their Workday software and sought a strategic financing solution. Traditionally, the firm paid cash for significant expenses, but because of the need to preserve capital, they decided on an alternative financing source. 

The Solution

First American provided the firm with financing that spread the cost over three years, offering low monthly payments that aligned with the software usage. This approach not only facilitated smoother cash flow management for the firm, but also allowed them to leverage their capital more effectively in other areas of their business.

Organization

1,000+ Employee Engineering Firm

Building icon

Location

Chicago, IL

Location Icon

Project Scope

$3.1MM Software Renewal

Financing scope icon

The Challenge

A leading engineering firm based in Chicago was approaching the renewal period for their Workday software and sought a strategic financing solution. Traditionally, the firm paid cash for significant expenses, but because of the need to preserve capital, they decided on an alternative financing source. 

The Solution

First American provided the firm with financing that spread the cost over three years, offering low monthly payments that aligned with the software usage. This approach not only facilitated smoother cash flow management for the firm, but also allowed them to leverage their capital more effectively in other areas of their business.

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Tax-Efficient Capital Planning Under OBBBA

The One Big Beautiful Bill Act (OBBBA) is reshaping capital planning with the restoration of 100% bonus depreciation and higher Section 179 limits. This article explores how these updates impact capital planning decisions.

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Technology Financing for AEC Firms

Explore a collection of materials to help you uncover current technology trends in the AEC industry and IT investment strategies to support your firm's growth.

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2023 TR Conference

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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: 2025 Monitor 100