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Vendor and Manufacturers Equipment Finance Program

We want to help you sell more equipment, increase your sales and profitability and give your customers a reason to say yes to the purchase.


1st Equipment Finance logo2

New & Used Equipment Loan & Lease Program

Welcome to 1st Equipment Finance, by FNCB Bank. Equipment financing is a Trillion dollar industry and we recognize how important it is for Equipment Vendors and Manufacturers to offer a reputable finance option to sell more equipment.

As a finance partner, we want to help make the equipment purchase more affordable for your customer, give them a reason to say yes to purchasing your equipment and stop them from shopping and buying elsewhere.

1st Equipment Finance understands equipment and the value in partnering with the right lender. Our seasoned sales and management team has over 150 years combined experience in vendor equipment finance and have developed long-term relationships with vendors and commercial customers in much of the US. Our professional support staff is knowledgeable and customer service oriented so you will always receive a quick response.

Partnership is a two-way street!

Through the years, we have built trust with our customers, and are frequently asked to assist them in choosing a vendor. We are happy to recommend the reputable dealers we partner with knowing the purchase and financing process will be smooth and hassle fee.

Equipment Types: 
Construction, Commercial Vehicles, Manufacturing, Cranes, Recycling, Masonry, Landscaping, Technology and much more.

Finance Programs:

  • Loans
  • Leases
    • $1.00 Buyout (Capital Lease).
    • TRAC: Residual Lease for Commercial Vehicles.
    • PUT – Purchase Upon Termination Residual.
    • Purchase Options: Fixed Purchase at lease end.
    • FMV – Fair Market Value Lease Purchase Option.
    • Municipal Loans and Leases

Program Highlights:

  • Vendor Incentive Program.
  • Assigned Professional Sales Representative.
  • Terms up to 72 months.
  • 100% financing.
  • “Application Only” up to $350K.
  • Seasonal or Skip Payments available.
  • 24 Hour credit decisions with complete application.
  • E-docs & fully electronic from application to wire funding process.
  • Competitive rates.
  • Buydown rate programs.
  • Payment quoting assistance.
  • Personal service from application to funding.
  • Municipal Financing Available: Lease and Loan.


1st Equipment Finance
1625 Wyoming Ave. | Exeter, PA | 18643

Members of Equipment Lease & Finance Association

Get direct access to our team for a smooth equipment finance experience.


Gary P. Cook

Executive Vice President

Equipment Finance Officer



Donna Yanuzzi

Senior Vice President

Director, Equipment Finance



Charlie Jones

Senior Vice President

Equipment Credit Officer


 Gary Cook

Gary Cook

Vice President

Equipment Sales Officer


Anthony Galante 

Tony Galante

Vice President

Equipment Sales Officer


Melisssa Hilpp

Melissa Hilpp

Vice President

Equipment Operations Manager


 Jeffery Cook

Jeffrey Cook

Vice President

Equipment Credit Analyst


Susan Kalinay

Susan Kalinay

Equipment Sales Coordinator


Gena Mae Berta

Gena Mae Berta

Equipment Administrative Specialist


Our Mission: To make your banking experience simply better.

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