Light-Duty and Medium-Duty Vehicle Financing
Financing light- and medium-duty commercial vehicles? CFF is an independently owned transportation equipment finance company with decades of experience — plus the speed you need: pre-approval fast, cash in as little as 24 hours on approved deals. Vans, shuttles, trailers, EVs, and more; new or used, 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 Owner-Operators & Fleet Managers Since 1995
Thousands of businesses put their trust in CFF each year to finance the
light- and medium-duty vans, buses, trailers, and work vehicles they rely on to serve customers and grow.
Why Businesses Choose CFF for Light- & Medium-Duty Vehicles
Securing the right financing for light- and medium-duty commercial vehicles is central to how you move people, supplies, and goods. CFF goes beyond one-size-fits-all bank products: competitive rates, flexible structures, and transparency from application through funding — whether you're expanding a delivery fleet, upgrading passenger transport, or replacing aging assets. When timing matters, our streamlined process and transportation focus help you keep momentum.
What Kinds of Light- & Medium-Duty Vehicles Do We Finance?
With decades of experience, we're attuned to how different fleets use Class 3–7 equipment. Below are three of the most common categories we support — each with programs shaped around real-world utilization, upfits, and replacement cycles.
Commercial Vans
Cargo vans, panel vans, moving vans, passenger vans, and Sprinter-style vans — plus shelving, upfits, and custom interiors so the vehicle matches how you work. We can structure financing to cover both the van and the upfitting so you preserve cash flow while the asset is road-ready.
Transport Vehicles
Shuttle buses, motorcoaches, tour buses, limousines, taxis, and light- to medium-duty trailers when your operation moves people as well as freight. Packages reflect comfort, safety, and reliability expectations in each niche — whether you run charters, last-mile service, or mixed fleet work.
Commercial Electric Vehicles
As fuel costs fluctuate, many fleets save by going electric on light commercial routes. Our flexible commercial EV financing is built for electric vans and light- to medium-duty EVs so you can adopt cleaner equipment without straining working capital.
Loans, Leases & Fleet-Ready Structures
Every business is unique — and so are its financing needs. We combine loans, leases, and specialized programs (including private-party and multi-unit structures) so your payment, term, and end-of-term options align with how you use vans, buses, trailers, and EVs.
Equipment Loans
Finance the vehicle or trailer as a tangible asset on your books with predictable payments. Many borrowers pursue ownership with flexible terms — including paths to skip a down payment with approved credit — while preserving working capital for operations.
- Build equity in the asset
- Depreciation & interest: consult your tax advisor
Leasing
Leasing often means lower monthly payments than a comparable loan and can align well with new or lightly used units still under warranty — reducing repair risk and keeping vans and buses on the road.
- Payment structures sized to cash flow
- Upgrade paths as your fleet evolves
Used & Private-Party
We regularly finance pre-owned vans, cutaways, shuttles, and trailers from dealers, auctions, and private sellers — so you can capitalize on the right unit when it appears, not when the bank finally responds.
- Private-party transactions supported
- Broader age and mileage tolerance vs. many banks
Fleet Growth
Add multiple units — vans, buses, trailers, or a mix — under coordinated structures so you scale revenue without juggling disconnected lenders. Ideal when you're winning new contracts and need capacity on a deadline.
- Master agreements & staged funding
- One team that knows your whole fleet story
How the Light- & Medium-Duty Financing Process Works
Start with our secure online application — minutes to complete, team-guided from there
Get matched with a dedicated light- and medium-duty vehicle financing specialist
We assess your needs, financial picture, and business requirements — then present options that fit
Sign clear, straightforward docs — quick approvals and flexible terms when you need them
Get on the road — funds or dealer payment often in as little as 24 hours on approved deals
Why Choose Commercial Fleet Financing?
How hard is it to get commercial vehicle financing? With the right partner, far less than most owners expect — especially when your lender speaks fleet, not generic retail credit.
Expertise & Fast Decisions
With decades in commercial vehicle financing, we know how to move quickly: many approvals within 24 hours and funding in as little as two business days — without sacrificing clarity. You get straight answers, not hidden fees or confusing “banker language.”
Tailored Terms & Programs
Down payment, term length, and equipment mix all flex to your operation. We offer traditional loans (including options to skip a down payment with approved credit), leases, and multiple programs so the structure matches your cash flow and growth plans.
Support Beyond the Closing
Every business faces different financing hurdles. We work directly with you across industries to find creative, viable paths — from vans and shuttles to trailers and EVs — and we stay engaged as a long-term partner, not a one-time transaction.
Ready To Finance Light- & Medium-Duty Vehicles?
Vans, shuttles, buses, limousines, taxis, light- and medium-duty trailers, and commercial EVs — apply today for a straightforward process, quick decisions, and terms aligned with how you use the equipment.
- 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.