Overview

Fulton Financial Corporation offers comprehensive equipment financing designed for businesses across industries — from healthcare and manufacturing to transportation, agriculture, technology and professional services. Our programs provide the capital to acquire new or used equipment, upgrade or refinance existing assets, and preserve working capital while aligning payments with the revenue your equipment generates. We combine competitive terms, industry expertise and a consultative approach to create a financing package that supports operational needs and strategic goals.

Key Benefits

• Preserve cash flow: Conserve operating capital by spreading the cost of equipment over predictable monthly payments instead of using cash reserves.
• Flexible term structures: Choose from a variety of terms and amortization schedules to match equipment useful life and your cash flow patterns.
• Tax and accounting advantages: Potential tax benefits and customized accounting treatments that can optimize balance sheet presentation. Consult your tax advisor for specifics.
• Competitive pricing: Transparent pricing with competitive rates based on creditworthiness, collateral and term.
• Fast decisioning: Efficient underwriting and streamlined documentation to reduce downtime and help you seize time-sensitive opportunities.
• End-of-term flexibility: Multiple options at lease or loan maturity, including purchase, renewal, return or refinance.

Types of Equipment We Finance

Our financing solutions cover a broad spectrum of tangible assets essential to business operations. Typical financed equipment includes:

• Medical and dental equipment
• Manufacturing machinery and tooling
• Construction and heavy equipment
• Fleet vehicles and transportation assets
• Information technology, servers and telecom equipment
• Agricultural machinery and specialty farm equipment
• Office furnishings and production devices

We also work with emerging technologies and energy-efficient upgrades, recognizing the importance of modernization and sustainability in today’s competitive landscape.

Financing Options

Fulton provides a variety of structures to meet different objectives and accounting preferences:

• Equipment loans: Direct ownership financing with predictable principal and interest payments. Beneficial for companies that want to own the asset at the end of the term.
• Capital leases: Structured to mirror purchase financing with the option to take ownership at term end.
• Operating leases: Off-balance-sheet treatment where appropriate, ideal for short-term needs or technology that becomes obsolete quickly.
• Lease lines and revolvers: Flexible facilities that allow multiple leases or rapid funding for sequential equipment purchases without repeated approvals.
• Sale-leaseback: Convert owned equipment into working capital by selling the asset and leasing it back.

Who Can Benefit

Whether you are a startup investing in initial production capacity or an established company refreshing aging assets, our programs are designed to support:

• Small and medium-sized enterprises seeking manageable monthly payments
• Large corporations optimizing capital allocation and tax strategy
• Nonprofits and public entities with specialized equipment needs
• Dealers and manufacturers looking for partner leasing options for customers

Application Process

We prioritize a straightforward, consultative process. Typical steps include an initial consultation to understand business needs and objectives, credit and equipment review, proposal of terms, and streamlined documentation. Our relationship managers coordinate with your team to accelerate funding and ensure equipment delivery and installation timelines are met.

Documentation requirements are tailored to transaction size and complexity, and may include basic financial statements, a description or invoice of the equipment, and standard legal documents. We aim to reduce paperwork and time-to-funding while maintaining prudent underwriting standards.

Why Choose Fulton Financial Corporation

Fulton combines the resources of an experienced financial institution with local decision-making and industry knowledge. Our strengths include a deep understanding of equipment lifecycles, a partnership-oriented approach to structuring transactions, and the ability to scale solutions for businesses of varying sizes and markets. We focus on building long-term relationships by delivering reliable service, clear communication and the flexibility clients need as their operations evolve.

Considerations and Next Steps

Before pursuing equipment financing, evaluate the expected useful life of the equipment, projected cash flows it will generate, and how ownership versus leasing aligns with your tax, accounting and operational strategies. Work with your financial and tax advisors to determine the most advantageous structure for your situation.

When you are ready, a Fulton representative can help assess financing alternatives, prepare a tailored proposal and guide you through implementation so you can put equipment to work quickly and efficiently.