Equipment Financing

Competitive and Flexible Equipment Financing Solutions

For nearly 50 years, Tri Counties Bank has provided flexible equipment financing options for businesses throughout California. Our unique service approach makes the process seamless so you can focus on growing your business. It’s a brand of banking we call Service With Solutions^®, a come-to-you style of relationship banking built to last for years.

What Makes Us Different

Competitive
Unlike other banks, we do not use one-size-fits-all rates. We tailor the financing to your unique situation and consider your transaction size, term, type of asset, structure, and the financial requirements of your company.

Accessible
We are quick and responsive. Our equipment financing team is ready to serve you with personal attention.

Knowledgeable
We are committed to ongoing education and training in the field of equipment financing. Knowing how your industry works is how we deliver solutions that work best for your industry.

Flexible
Our terms typically range from two to seven years and include guidance lines, interim financing, as well as skipped and seasonal payment options. This means you will receive a flexible finance agreement tailored to your specific needs.

Convenient
We’re your one-stop source. Use our Master Loan Agreement to reduce your paperwork and help establish an equipment line of credit at a competitive fixed rate.

Benefits of Equipment Financing

For many business owners, equipment financing makes good economic sense. Financing capital equipment can be a cost-effective solution that can support your company’s growth and preserve working capital for other business strategies. Payments and terms can be aligned to meet your unique needs.

Equipment financing typically requires no down payment, optimizing your cash flow. Additionally, you could:

• Finance up to 100% of the cost of a project, including soft costs or non-recurring costs.
• Improve cash flow by obtaining a low, fixed rate payment.
• Match equipment budgets to dollars available with a pre-approved equipment line of credit.
• Eliminate the need to apply for credit every time a capital need arises.
• Lower your initial expense. Typically, no down payment is required.
• Utilize a sale-leaseback to refinance equipment purchased at an earlier date. Use this cash infusion on higher return alternatives and improve overall business profitability.