Business Equipment Financing

At Capital City Bank, we understand purchasing, servicing and replacing or upgrading equipment is a significant capital investment. Leasing puts the equipment you need to work for you with substantial cash flow advantages.

Product Features

  • Cash Flow Management - Low monthly payments and minimal up-front cash outlay.
  • Speed - Short one-page application*
  • Flexibility - 100% financing of the invoice.
  • Customized Payment Structure - We are able to offer flexible payment structures such as 90-day deferred, annual payments and skip payments.
  • No Blanket Lien - Only the equipment is required as collateral. Your personal and business assets remain protected.
  • Tax Advantages - Lease payments are usually considered a pre-tax business expense and can often reduce taxes. Equipment leases qualify for the Section 179 deduction^.
  • Fixed Payments - Unlike financing with your line of credit, lease payments are fixed. No matter what happens with the market in the future, your lease terms are locked in.
  • Lines of Credit Remain Protected - Leasing does not impact your current credit lines with your bank. Your borrowing power can be reserved for other business needs.
  • Avoid Obsolescence - Leasing affords you the best technology available today and allows the option to upgrade your equipment when it has outlived its use.
  • Competitive Edge - Leasing provides the advantage of using tomorrow’s technology today!

Offered in partnership with American Financial Partners, leasing is the fastest growing method for financing equipment in business today. Contact a banker to see if leasing the right choice for your growing business. Call 850.402.7718 today.


*Subject to credit approval. Program terms and conditions subject to change without notice. Ask a banker for details. 
^Consult your tax adviser. 
†Lease products underwritten by American Financial Partners.