Light-Duty and Medium-Duty Vehicle Financing

Are You Looking to Buy a Light-Duty and Medium-Duty Vehicle and Need Financing? We Are The Number One Independently Owned Transportation Equipment Finance Company in the United States. Contact Us To Help Grow Your Fleet!

Securing the right financing for your light-duty and medium-duty commercial vehicles is crucial for the success of your business. At Commercial Fleet Financing, we offer financing solutions that transcend conventional boundaries, ensuring support for all equipment and vehicle classes.

Whether you operate a fleet of light-duty vehicles, or medium-duty for moving people, supplies, or goods, our financing options are meticulously crafted to suit the distinct demands of your business. Commercial Fleet Financing sets itself apart by providing businesses with competitive rates for financing light- or medium-duty vehicles. Tailoring financial solutions to meet the diverse needs of businesses, we ensure flexibility and affordability. Whether your company aims to expand its delivery fleet, upgrade vehicles, or replace aging assets, we offer attractive financing options tailored to your unique requirements.

Committed to transparency and customer satisfaction, we strive to simplify the financing process. Choosing Commercial Fleet Financing means gaining a partner that understands the significance of reliable and cost-effective transportation solutions, assisting you in achieving your goals efficiently and economically.

What Kinds of Light-Duty and Medium-Duty Vehicles Do You Finance?

We have more than 25 years of experience helping fleet managers like you find the right solutions for your business because we are attuned to your distinct needs. We can help you expand your fleets with financing options for:

Commercial Vans

In the cargo and commercial sectors, our offerings cover cargo van financing, panel van financing, moving van financing, passenger van financing, and sprinter van financing. Acknowledging the diverse applications of these vehicles, our financing solutions provide fleet managers with the flexibility to acquire vehicles that precisely meet their business requirements.

Additionally, many businesses require custom upfitting to tailor these vehicles to our specific needs. Whether it’s adding shelving, specialized equipment, or custom interiors, these modifications make your vans work to serve your business. Commercial Fleet Financing recognizes the importance of both the commercial van and its upfitting in the overall operation of a business.

With our financing solutions, businesses can secure the funding needed not only for the commercial van itself but also for the custom upfitting. This allows businesses to preserve their cash flow while ensuring that our commercial vans are optimized for our unique requirements.

Whether transporting goods, accommodating passengers, or serving as mobile workspaces, our financing options align with the distinct demands of each niche, empowering fleet managers to build and expand their fleets effectively.

Transport Vehicles

For passenger transportation, we offer specialized financing solutions for shuttle busesmotorcoachestour buseslimousinestaxis, and even light- and medium-duty trailers. Recognizing the importance of passenger comfort, safety, and reliability in these niches, our financing packages address the unique needs of each category, empowering fleet managers to meet their clientele’s expectations.

Commercial Electric Vehicles

As gas prices continue to fluctuate, fleet managers overseeing light commercial trucks and other light- to medium-duty vehicles stand to achieve significant cost savings by opting for electric vehicles.

Tailored to the unique demands of electric fleets, our flexible commercial electric vehicle financing options are designed to help fleet managers take advantage of the opportunities associated with adopting EVs.

How Does the Light-Duty and Medium-Duty Vehicle Commercial Equipment Financing Process Work?

Navigating the commercial vehicle financing process can be complex, but we’re here to simplify it for you. Our process is designed to be straightforward and efficient. Simply start by filling out our online application, and our team of experts will guide you through the rest.

We’ll assess your needs, financial situation, and business requirements and offer you a financing solution that aligns with your goals. With quick approvals and flexible terms, we can help to get you on the road with your new motorcoach, bus, limousine, van, or other light- or medium-duty commercial vehicles as soon as possible.

Our flexible financing solutions empower businesses to optimize profitability by acquiring the necessary assets to enhance operational efficiency and growth. The ultimate goal: help you get the equipment you need at a price that maximizes your profit.

Image of a light duty van being loaded with boxes.

How Difficult is it to Get Financing for Commercial Vehicles?

At Commercial Fleet Financing, we recognize that each business is unique, and so are its financing challenges. Spanning across various industries and sectors, our team works directly with you to find creative and viable solutions, making the process as seamless as possible. In fact, many loans are approved within 24 hours and can be funded in as little as 2 business days.

Here’s what we bring to the table.

  • Expertise and Experience: With years of experience in commercial vehicle financing, our team brings unparalleled expertise to the table. We understand industry intricacies and can guide you through the process with confidence.
  • Tailored Solutions: Our approach revolves around providing customization options for the down payment, the term of the financing, and the specific equipment required. By understanding the diverse requirements of businesses in the commercial vehicle sector, we ensure our clients receive the best-suited financing package for their operations. We not only help businesses like yours acquire essential equipment – we also have multiple programs that align with your financial objectives. Our flexible financing solutions empower businesses to optimize their profitability by allowing them to manage their cash flow effectively while acquiring the necessary assets to enhance operational efficiency and growth.
  • Quick Approvals and Efficient Processes: With over 25 years of experience, we know how to navigate the commercial finance process quickly and efficiently. With famously flexible terms, special offers, initial soft credit pulls, and incentives on various vehicle purchases, we aim to provide you with financing options that align with your business goals. Additionally, our commitment to a customer-first approach means no hidden fees or confusing “banker language”—you’ll know exactly what you’re getting with our straightforward programs.
  • Commitment to Support: At Commercial Fleet Financing, we are committed to supporting your business growth. Our relationship doesn’t end with financing. We’re here for the long haul, providing ongoing support to help you achieve your business objectives.

Financing FAQs

What are the Advantages and Disadvantages of Paying Cash?

A cash purchase offers the lowest equipment cost, as it avoids finance expenses. However, the impact on cash flow and the opportunity cost can be a drawback. Cash is tied up upfront instead of being spread across a loan or lease term. Opportunity cost is the potential return on other uses of the cash, such as investing in additional equipment, business expansion, or hiring more staff.

What are the Advantages of a Loan?

Equipment bought with a loan is a tangible asset on your financial records, with potential resale value. Its cost is depreciated on your company’s Profit and Loss statement, and in many cases, the interest paid is tax-deductible. For specific details related to your business, it’s advisable to seek guidance from a tax professional.

For those wanting equity with lower upfront costs, Commercial Fleet Financing provides personalized traditional loans with flexible terms. We also offer the option to skip down payments, ensuring a budget-friendly approach without compromising traditional financing benefits. We help businesses pursue ownership with financial solutions aligned to their growth goals.

What are the Advantages of a Lease?

Leased equipment is technically owned by the bank, but provides several business advantages:

  • Lower monthly payments than a loan
  • Monthly payment write-offs for tax purposes
  • Suitability for new and lightly used equipment aligning with warranty periods

Many businesses prefer leasing new equipment for shorter periods to stay within warranty, reducing repair costs and ensuring fleet uptime.

Got More Questions? Commercial Fleet Financing Has the Answers

Contact our team today to learn more about the ins and outs of your financing options for light and medium-duty vehicles.

Get Started Today

Begin your light-duty and medium-duty vehicle financing journey with confidence, knowing that Commercial Fleet Financing not only provides comprehensive support but also the best financing solutions for your needs.

Contact us today to explore the possibilities and find the financing solution that propels your business forward.