Commercial Fleet Financing specializes in providing fast and effective financing solutions. We channel our efforts into niche markets that are predominately occupied by small to medium size businesses which are typically ignored by finance organizations who primarily pursue large transactions.

We provide our customers with:

Quality Customer Service.

We work hard to get our customers’ credit approved, promptly generate contracts, and coordinate obtaining the documents necessary to close the transaction.

Fast Funding.
After all documents have been received, we fund the transaction propmptly. Wire transfers are also available.

Competitive Rates.
With our strong financial backing, our pricing is the most competitive in the market.

Industry Knowledge.

We understand the transportation business as well as new and used equipment. Our Commercial Financing group has been providing financing to the transportation industry for over 10 years.

Product Offerings


Fixed Rate Loans:

With this product, the customer owns the vehicle, makes monthly payments, and can take tax benefits such as interest deductions and depreciation. Because the customer is the legal (titled) owner, there is no change of ownership at the end of the financing term. The customer is responsible for all costs of ownership including insurance, maintenance, and applicable taxes. Floating rate loans are also available.

TRAC Lease:

Our most popular leasing program. A TRAC lease is a tax-oriented lease on qualified motor vehicles and trailers. The TRAC amount is agreed to by the parties at lease commencement. A TRAC lease requires an adjustment of rentals at lease termination based on the amount realized upon sale of the vehicle compared to the TRAC amount. In all TRAC leases the lessor is the legal owner of the vehicle for tax purposes. The lessee makes tax deductible rental payments.

Closed End (FMV) Walkaway Leases:

With this product the customer has no obligation to purchase the equipment at the end of the lease term. The lessor is the owner of the vehicle for tax purposes, the customer makes tax deductible rental payments. At the end of the lease term, the customer may return the vehicle, extend the lease, or purchase the vehicle at fair market value.

Customized Products


All products can be modified for a specific market or for a customer’s cash and tax
planning needs. The modifications can include special features like skipping payments at
certain times of the year, lowering payment at the start of the lease, or deferred or
graduated payments. Specialized leases like Tax-Exempt leases for state and local
governments are also available.

Financial Package Requirements (For Requests Over $ 50,000)

In order to expedite your credit review and offer you our most competitive financing, we will need the following financial information:

  1. FYE 2006/2007 and most current 2008 financial statements. Please provide
    corporate tax returns if financials statements are unaudited.
  2. Bank account reference. Current equipment lease or loan references with account
    numbers and phone numbers. Please list any bank that your company has
    loans or leases with.
  3. Background information on your company and breakdown of ownership.
  4. Name and address of your insurance company and vehicle liability amounts.
  5. Equipment specifications.
  6. Signed credit application.


We look forward to working with you on your transaction. Please feel free to contact us toll-free at (888) 320-4CFF if you should have any questions or concerns.