When vehicles are how you make money, growth means more of them. Commercial fleet financing lets you add or refresh multiple vehicles under one facility — preserving cash for fuel, payroll and jobs — with the vehicles themselves as collateral.
What fleets finance
- Work vans & service vehicles — trades, delivery, mobile services.
- Light & medium trucks — pickups, box trucks, stake beds.
- Heavy & vocational — see commercial truck financing.
- Upfits — shelving, wraps, lifts and specialty bodies.
One facility, many vehicles. Finance a mixed fleet and add units as you grow, so budgeting stays simple and cash stays free.
Loan or lease?
Finance to own and build equity in vehicles you keep long-term; lease to keep payments low and cycle vehicles that age or rack up miles fast. We help you compare based on how you run.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options exist) |
| Credit score | Flexible — vehicles secure the loan |
| Down payment | Low on many programs |
| Documents | Application + vehicle details |
Frequently asked questions
What is fleet financing?
Financing multiple business vehicles under one facility, with the vehicles as collateral.
Mixed fleet?
Yes — cover different vehicle types and add units over time.