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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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Commercial AP

First American presents City National Bank's Commercial AP, an industry-leading ePayables tool that allows you to make payments to vendors using single-use virtual cards. Our Commercial AP technology offers more to your business than using paper checks – from extending payment terms and reducing your cost of funds, to enhancing security and control with ExactPay. With Commercial AP your team can leverage virtual card technology, optimize and secure your payments strategy, and enjoy the exceptional service you have been missing from other providers.

Man smiling and holding credit card and working on laptop.

Pay with Efficiency

Reduce check costs without modifying your current internal processes. Most organizations report that a portion of their vendors are ready to switch to card payments, which can create substantial operational savings. Use your existing check run file to switch without disruptions to your weekly payments.

Ease your worries of check fraud by sending end-to-end secure payments via a virtual card instead of a check. Set approval permissions for your organization before issuing payments, to give you complete control over the payment process. 

You control the amount suppliers charge using ExactPay – a feature that backs up your payment by not allowing a vendor to charge a penny more or less than what is billed on the invoice.  Each payment is administered through unique 16-digit card numbers that further enhances the security of your B2B payments.

The Supplier Enablement Team works with your vendors to begin accepting this form of payment. Status updates of newly enrolled vendors are provided throughout implementation to ensure a smooth, worry-free transition. 

Cash back is always an added bonus and that’s no different with our AP program. Our dedicated Supplier Enablement team can help ensure you maximize your return on spend.

Woman smiling looking at phone and holding credit card.

Pay with Efficiency

Reduce check costs without modifying your current internal processes. Most organizations report that a portion of their vendors are ready to switch to card payments, which can create substantial operational savings. Use your existing check run file to switch without disruptions to your weekly payments.

Ease your worries of check fraud by sending end-to-end secure payments via a virtual card instead of a check. Set approval permissions for your organization before issuing payments, to give you complete control over the payment process. 

You control the amount suppliers charge using ExactPay – a feature that backs up your payment by not allowing a vendor to charge a penny more or less than what is billed on the invoice.  Each payment is administered through unique 16-digit card numbers that further enhances the security of your B2B payments.

Our Supplier Enablement Team works with your vendors to begin accepting this form of payment. Status updates of newly enrolled vendors are provided throughout implementation to ensure a smooth, worry-free transition.

Cash back is always an added bonus and that’s no different with our AP program. Our dedicated Supplier Enablement team can help ensure you maximize your return on spend.

How it Works

1

Upload a list of unpaid invoices to Commercial AP from your ERP system.

2

A secure email is automatically sent to each supplier with a virtual card number and remittance information.

3

Your supplier charges the Commercial AP account for the invoiced amount.

4

The payment posts to your Commercial AP account.

Still have questions? Many organizations find that starting with an analysis of which vendors may accept card helps them to determine if switching payment types is right for them. We offer a complimentary consultation to discuss your potential rebates, cost savings and even time savings.* 

City National & First American: Strength and Stability Working for You

First American Equipment Finance is a wholly owned subsidiary of Los Angeles, CA-based City National Bank, an RBC Company. This structure allows us to offer competitive financing and sell City National’s commercial card products while delivering unique value to our clients through industry specialization, knowledgeable teams, and leading-edge digital tools. 

 

For more information about City National, visit the company’s website at cnb.com.

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* Consultation does not guarantee vendor acceptance of the card. 

Treasury Management Solutions Terms and Conditions apply. Please see cnb.com/agreements