Specialty Vehicle Funding

Commercial vehicle financing and leasing available for select types of titled vehicles. Call 800-571-3900 for details.

For vehicle finance, we focus on the following asset classes:

  • New and Used Motor Coaches
  • Shuttle Buses
  • School Buses
  • Limousine and Livery
  • Paratransit and Ambulances
  • Specialty Trucks
  • Construction Equipment
  • Dealer Rental Finance Programs Available
  • Cash out Refinances
  • If the specialty vehicle you need is not listed above, call us anyway: 800-571-3900! We can help!

Own your equipment outright? Ask us about a cash-out refinance. Only select vehicles qualify. You must call for details.

Pricing is always risk based, but generally we extend offers with rates in the single digits for strong credits and rates in the teens for impaired credits.

Term lengths available usually range from 24 to 84 months depending on the characteristics of the deal.

Applicants with challenged credits may be asked to offer additional security in the form of a down payment or additional collateral.

Credit and Asset Guidelines:

  • Transactions from $25,000 to $5,000,000
  • Minimum time in business of two years
  • Personal Guarantor required
  • Start-ups considered with proven industry experience

Credit Package Requirements:

Below is a list of what is typically required. At minimum we need the first three items, but often need the other items listed, especially for transactions just meeting the minimum credit requirements or more than $250,000.

  • Signed credit application including credit authorization from each guarantor
  • Last three month’s bank statements — summary page only
  • Equipment quote or invoice including price, specifications, and VINs if possible

Often needed:

  • Last two year’s business tax returns
  • Last two year’s and current YTD financial statements
  • Last two year’s personal tax returns
  • Complete, proper, legible, and signed personal financial statement for each guarantor
  • Proof of time in business for sole proprietorship