Operating Lease | DirectLenderMatch

What is it?

DirectLenderMatch classifies Operating Lease under the financing form “Lease.” Its typical use in this directory is: Use equipment without financing purchase.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Leased equipment. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Use equipment without financing purchase.

What backs or supports it?

Leased equipment.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Financing, not a conventional loan

Workbook classification: No. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct equipment finance provider

First Citizens / Sixty-First Commercial Finance

First Citizens currently documents equipment loans, tax leases, structured equipment lending and progress-payment construction financing.

Official evidence page →

Last verified: 2026-08-23

Other sources & comparison

DirectLenderMatch lists providers whose offerings have been individually documented, but the list is not exhaustive. Banks, credit unions, equipment dealers, manufacturer finance programs, leasing companies, and specialty equipment lenders may offer related financing. Availability can depend on equipment type, age, use, and borrower profile.

Financing terms can differ between sources. An initial offer is not necessarily the only available option. Reviewing more than one source can help show differences in rates, fees, repayment terms, eligibility requirements, collateral treatment, and other conditions.