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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 insurance companies. The right financing strategy can free up cash, capture deductions, and set your organization up for success in 2026. Learn more below.

Industry Insights

Featured Industry Insights

Flexible Financing to Power Growth

As 2025 closes, insurance companies are navigating shifting rates, rising equipment costs from tariffs, and year-end tax considerations. A well-planned financing strategy can help free up cash, capture deductions, and set your organization 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 organizations 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 organizations 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 organizations added flexibility heading into 2026.

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Three professionals in business attire discuss documents and a tablet in a collaborative office setting.

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 organizations 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 organizations 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 organizations 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

P&C Insurance Carrier

Building icon

Location

Raleigh, NC

Location Icon

Project Scope

$1MM Lease Line for Hardware, Software, & Servers

Financing scope icon

The Challenge

An insurance company in North Carolina needed to quickly purchase more equipment as they transitioned to a hybrid work model.

The Solution

Their existing lease line with First American allowed them to buy VPNs, hardware, and software to support their workforce and minimize disruption. Additionally, by utilizing their online account, they were able to quickly place purchase orders, execute lease documents, communicate with their First American team, and more—all within one digital platform.

Organization

P&C Insurance Carrier

Building icon

Location

Raleigh, NC

Location Icon

Project Scope

$1MM Lease Line for Hardware, Software, & Servers

Financing scope icon

The Challenge

An insurance company in North Carolina needed to quickly purchase more equipment as they transitioned to a hybrid work model.

The Solution

Their existing lease line with First American allowed them to buy VPNs, hardware, and software to support their workforce and minimize disruption. Additionally, by utilizing their online account, they were able to quickly place purchase orders, execute lease documents, communicate with their First American team, and more—all within one digital platform.

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 Insurance Companies

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

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Office Buildout & Renovation Financing

Planning an office buildout or renovation? Explore this curated collection of resources tailored for insurance companies. You'll find expert insights from industry leaders—plus financing strategies to help bring your workspace vision to life.

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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.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