Discover the Difference of Full-Solution Financing with First American

Let's Reimagine Your Workplace, Together.

First American can help you create the workplace you've always imagined.

Our solutions for office renovations and expansions are tailored to meet your business objectives—from project simplification and budget consistency, to tax savings and accounting benefits.


Distribute Costs

Align the cost of the equipment with its use and avoid a one-time hit to surplus for furniture and software expenses.

With Statutory Accounting, furniture and software are considered non-admitted assets. A lease will allow you to preserve your cash and avoid a hit to your surplus position. 

Finance 100% of Costs

First American can finance all collateral involved, including installation and construction costs.

A lease line of credit can include all expenses related to a build-out, including both soft costs. Expenses such as architectural fees, construction, wiring and cabling, audio-visual setup and carpeting can all be included in a lease along with furniture and fixtures.

Improve Tax Efficiency

Expensing rental payments can create a greater tax shield than depreciation, resulting in a reduced tax burden.

Lease payments are recorded on your income statement, which means they are tax-deductible operating expenses. 

Click on the resources below to learn more about our office buildout capabilities:


5 Ways to Transform Your Workplace

Practical Options for Your Buildout

Finance 100% of Your Expansion or Renovation


Leasing Benefits

  • Avoid one-time hit to surplus
  • Distribute costs over time
  • Finance 100% of costs
  • Budget consistency
  • Finance costs from multiple vendors

Commonly Leased Equipment

  • Furniture and fixtures
  • HVAC equipment
  • Construction costs
  • Lighting
  • A/V Equipment

Industry Expertise


First American has proven experience in financing expansion and renovation projects. We can provide customized solutions—from the straightforward purchase of computers and furniture to the complicated design and construction process of multifaceted, multi-location build-out projects.


Property & Casualty Carrier

Infrastructure, phone system, FF&E, and various buildout assets for HQ location

$2.5 million

Specialty Insurance Broker

Office buildout and furniture bundled with technology upgrade including computers, storage, and copiers

$9+ million

Life Insurance Carrier

Reimbursement lease for various technology and storage equipment

$2 million

Workers' Comp Carrier

Construction, furniture, and IT equipment for new HQ building

$1.5 million

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First American Commercial Bancorp, Inc. is a wholly-owned subsidiary of City National Bank. Deposit products and services are offered by City National Bank Member FDIC. City National Bank is a subsidiary of Royal Bank of Canada. For California clients: Loans made or arranged pursuant to a California Finance Lenders Law license. All trademarks are the property of their respective owners. Additional terms apply and can be found by visiting

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