Commercial Fleet And Truck Financing

Commercial Fleet And Truck Financing

Commercial Fleet And Truck Financing

We arrange financing for tractors, rigid trucks, trailers, reefers, and last mile vehicles. Options include TRAC and FMV leases, equipment term loans, and asset-backed lines secured by fleet and receivables. Structures match route profiles, duty cycles, and maintenance plans.

Financing Options

TRAC Lease
Terminal Rental Adjustment Clause leases for tractors and trailers. Fixed rentals with a stated residual. Useful for over-the-road and regional haul fleets.
FMV Lease
Fair market value leases that keep payments lower during the term. End of term purchase at fair market value or return the unit subject to mileage and condition.
Equipment Term Loan
Amortizing loans for new or used equipment from approved OEMs and dealers. Liens on vehicles with insurance assignments and GPS or telematics where required.
Asset-Backed Line
Revolving line secured by fleet and receivables to cover tires, PMIs, drivers, and fuel. Availability linked to eligible AR and net book value of units.
Trailer And Reefer Financing
Dry vans, reefers, tankers, and flatbeds with TRAC residuals or loans. Maintenance and telematics packages can be included.
Refinance And Sale-Leaseback
Unlock equity from owned units to fund expansion. Title transfer to lessor with buyout options at maturity.

Eligibility And Criteria

Who Qualifies
  • Logistics operators, carriers, and dedicated contract fleets
  • 2+ years operating history or experienced spin outs
  • Audited or review-level financials and fleet plan
  • Clean KYC and AML for principals
Deal Profile
  • Ticket size USD 500,000 to USD 25,000,000
  • Tenor 24 to 72 months depending on asset life
  • Equity 5% to 20% per unit or per batch
  • OEM warranty and service agreements preferred

Security And Controls

  • First lien on financed units with title control
  • Telematics or GPS for mileage, routing, and asset location
  • Physical damage, liability, and cargo insurance with lender or loss payee endorsements
  • Assignment of key customer contracts for dedicated lanes where applicable

Why Financely

Fast Credit Read
We underwrite around route economics, utilization, and maintenance schedules, not only balance sheets.
OEM And Dealer Network
Approved supplier list across tractors, trailers, reefers, and EV delivery vans.
Scalable Structures
Single unit adds and batch rollouts with seasonal payment options where justified.

Request Commercial Fleet Financing

Send your fleet list, dealer quotes, routes, and budget. We will reply with a structure and timeline.

Start Your Mandate

Financely acts as arranger and underwriter. Financely is not a bank and does not directly lend. All financing depends on due diligence, KYC and AML screening, credit approval, and executed documentation. This page is indicative and does not constitute an offer.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

Submit a Request

Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

Submit a Request

Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

Submit a Request

For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.