Commercial Financing With Fast Approval
One place for commercial equipment financing: trucks and tractors, trailers, construction and heavy iron, industrial machinery, and specialty fleet. Approvals in as little as 2 hours and funding in as little as 24 hours — loans and leases, new or used — for owner-operators, contractors, fleets, and growing businesses nationwide.
Get Pre-Qualified
Tell us about your business and a specialist will reach out shortly.
Get Pre-Qualified
Tell us about your business and a specialist will reach out shortly.
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Trusted By Fleets, Contractors & Operators Since 1995
Thousands of businesses rely on CFF each year for the vehicles, trailers, and equipment
they need to stay productive — from long-haul and last-mile to job sites, plants, and specialty transport.
Why Commercial Operators Choose Commercial Fleet Financing
When you need a truck, trailer, or piece of revenue equipment, slow banks and one-size-fits-all consumer lenders are not the answer. Our programs are built for commercial transportation, construction, and industrial operators who need fast decisions, competitive structures, and specialists who understand the asset — not a generic auto loan desk.
Commercial Equipment We Finance
Semis and box trucks, trailers, construction and heavy equipment, industrial machinery, tow and EMS, and more. If it supports your business and holds value, we work to match a loan or lease that fits.
Tractors, Trucks & Vocational Fleet
Day cabs, sleepers, and semi tractors; box trucks and dry vans; light- and medium-duty vans, shuttles, and EVs; tow trucks and wreckers; mixer, dump, and crane trucks — if it is titled for commercial work and earns revenue, we structure loans and leases around how you operate.
Trailers & Hauling Equipment
Dry vans, reefers, flatbeds, lowboys, tankers, and car carriers; gooseneck, roll-off, and dump trailers. If it rolls behind a truck or moves freight for your business, we match a program to the spec and the deal.
Job-Site, Industrial & Specialty
Excavators, loaders, skid steers, cranes, and paving iron; forklifts, lifts, and manufacturing assets; ambulances, wheelchair vans, and EMS gear — heavy equipment, industrial machinery, and healthcare transport, with specialists who speak contractor, plant, and fleet.
Flexible Commercial Financing Programs
Every operation is different — fleet, contractor, plant, or mixed. We offer loans, leases, and fleet structures sized to your equipment mix, credit profile, and growth plans, whether you run on the highway, the job site, or the plant floor.
Equipment Loans
Finance titled vehicles and qualifying equipment — build equity with predictable payments on trucks, trailers, and iron your operation depends on.
- Build equity
- Structures for fleet and vocational use
Equipment Leasing
Lower monthly outlay and flexible end-of-term options — cash-flow-friendly structures for growing fleets, contractors, and businesses that prefer operating-style payments.
- Lower monthly payments
- Upgrade paths when programs allow
Used Equipment
Pre-owned trucks, trailers, and machinery from dealers, auctions, or private sellers — flexible paths when the deal and asset make sense.
- Private-party paths when eligible
- Older models considered case by case
Fleet & Multi-Unit
Add multiple trucks, trailers, or mixed assets to grow capacity — master-style agreements and consolidated purchases when your operation is scaling.
- Master lease agreements
- Consolidate purchases
Get Commercial Financing In 5 Simple Steps
Start online — simple application in minutes; app-only paths with minimal documentation when you qualify
Get matched with a dedicated commercial financing specialist who knows trucks, trailers, and equipment
Review tailored loan and lease options built around your operation, credit, and cash flow
Sign clear paperwork — plain language, no hidden-fee “banker speak”
Funds or dealer payment in as little as 24 hours when the deal fits — we stay engaged after closing
Why Choose Commercial Fleet Financing?
Three decades financing commercial transportation, construction equipment, and industrial assets — perspective no generalist or consumer lender can match.
Speed That Matches the Market
Approvals in as little as 2 hours and paths to funding in as little as 24 hours — including app-only programs up to $500K when you qualify — so timing never kills the equipment or vehicle you need.
Competitive Rates & Flexible Structures
Rates and terms keyed to credit, time in business, and deal structure — with flexible programs and incentives on many purchases. On many deals below $150K we may not need tax returns; we spell out what matters up front.
Transportation, Construction & Industrial Focus
Since 1995 we have focused on commercial transportation, construction equipment, and industrial assets — not consumer auto. Your specialist understands fleet economics, job-site iron, and specialty units like tow and EMS.
Ready To Finance Your Commercial Equipment?
Trucks, trailers, construction and heavy iron, industrial machinery, tow, EMS, and more — apply today to compare loan and lease options and fund the assets your operation relies on.
- Flexible loan and lease options
- Approvals in as little as 2 hours
- Terms up to 84 months
- Dedicated financing specialist
The form on the right is for pre-qualification. No SSN required.
Get Pre-Qualified
Tell us about your business and a specialist will reach out shortly.
* As low as zero down financing with approved credit.
Product availability is subject to confirmation of eligibility and underwriting. Products may vary based on credit profile and the state in which your business is located. Certain products may not be available in all states or to all customers. Commercial equipment financing, loans, and leases are offered or brokered by Commercial Fleet Financing, Inc. and its financing network.