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.