First Citizens is traditional bank financing. You have the option to pay off your sign early.
First Citizens typically requires a slightly higher credit score then Time-Payment.

Time-Payment is a lease finance company. They are able to work with lower credit scores. You can not pay off your sign early with Time-Payment but they do offer an advantage. You are able to do two tax write offs with them. You can write off the payments as you make them as well as write off the entire sign once again during your "buy out" period (last 3 months of payments)

If you have more questions regarding financing please feel free to give us a call at 205-383-3313.