Commercial Vehicles Financing
Direct answer
RCR International Finance LLC finances commercial vehicles for service businesses, contractors, and fleets, including vans, work trucks, and specialty vehicles. Funding can cover new or used units from dealers or upfitters through loans or leases. Single vehicles and fleets are supported, with terms matched to the unit, all subject to underwriting and approval based on the vehicle and the business.
Varies
Typical useful life
New & used
What's financed
Loan / lease
Both available
The asset
Secured by
Subject to underwriting and approval.
Reviewed by the RCR International Finance LLC team
Commercial finance specialists · Last reviewed January 2026
Written to reflect how commercial vehicles financing actually works and checked against our editorial & compliance standards.
?Quick answer
RCR International Finance LLC finances commercial vehicles for service businesses, contractors, and fleets, including vans, work trucks, and specialty vehicles. Funding can cover new or used units from dealers or upfitters through loans or leases. Single vehicles and fleets are supported, with terms matched to the unit, all subject to underwriting and approval based on the vehicle and the business.
Plan ahead
Estimate your payment
Model a monthly payment for commercial vehicles before you apply.
Open the estimatorWhat commercial vehicles you can finance
A representative sample of eligible assets in this category.
- Cargo and passenger vans
- Work and utility pickup trucks
- Box and cube trucks
- Service body and flatbed trucks
- Refrigerated delivery vans
- Shuttle and passenger vehicles
- Tow and recovery trucks
Financing commercial vehicles: the basics
RCR International Finance LLC arranges commercial vehicles financing for businesses acquiring transportation. Because the asset secures the deal, commercial vehicles is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.
New commercial vehicle financing supports full warranties and the latest fuel-efficient models, fitting fleets planning long-term use. Used vehicles are commonly financed and are evaluated on mileage, age, and condition, with terms tied to remaining service life. Both new and used purchases are subject to underwriting and approval.
A loan builds ownership of vehicles kept for years, building equity for stable fleets. A lease can lower upfront cost and simplify regular fleet refreshes. The right structure depends on mileage, fleet turnover, maintenance plans, and tax strategy.
Loan vs lease: which fits this asset?
Both options finance commercial vehicles, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.
Equipment Loan
Build ownership
- You own the equipment outright at the end of the term
- Builds equity in the asset as you pay it down
- Best for equipment with a long, productive useful life
- Payments are typically higher than a comparable lease
Equipment Lease
Lower payments, flexibility
- Lower monthly payments to preserve cash flow
- Flexibility to upgrade, renew, or return at term end
- Best for assets you replace or upgrade often
- End-of-term purchase options may be available
Soft costs you can often include
Financing frequently covers more than the sticker price, so the asset is working from day one.
Upfitting, shelving, and ladder racks
Roll upfitting, shelving, and ladder racks into the financed amount where the structure allows.
Wraps, lettering, and branding
Roll wraps, lettering, and branding into the financed amount where the structure allows.
Applicable sales and use taxes
Roll applicable sales and use taxes into the financed amount where the structure allows.
Liftgates and specialty bodies
Roll liftgates and specialty bodies into the financed amount where the structure allows.
Inspection and titling fees
Roll inspection and titling fees into the financed amount where the structure allows.
How equipment financing works
Select equipment
Identify the commercial vehicles and obtain a vendor quote with specifications.
Apply
Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.
Loan or lease
Choose an ownership-building loan or a lower-payment lease, subject to approval.
Vendor payment
On approval, financing pays the vendor and you take delivery.
Documents to finance commercial vehicles
- Equipment quote or bill of sale
- Recent business bank statements
- Most recent business tax return
- Vehicle details: VIN, year, make, model, and mileage
- Driver's license or owner ID
- Completed credit application
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Industries that finance commercial vehicles
Key takeaways
- Commercial Vehicles can be financed new or used, with the equipment itself serving as collateral.
- Choose a loan to build ownership or a lease for lower payments and flexibility.
- Soft costs such as upfitting, shelving, and ladder racks and wraps, lettering, and branding can often be rolled into the financed amount.
- Financing is subject to underwriting and approval; RCR International Finance LLC does not guarantee rates or approval.
Proven Track Record
$566M+ funded across 78+ real closings
Results over claims. See genuine, closed equipment transactions, anonymized by business type, that RCR International Finance LLC has funded.
Finance commercial vehicles for your business
RCR International Finance LLC can help you compare loan and lease options for commercial vehicles.
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
Related financing
Commercial Vehicles financing FAQs
- Can vehicle upfitting and wraps be financed?
- Yes. Upfitting, shelving, liftgates, and branding wraps can often be bundled with the vehicle when itemized on the quote, subject to underwriting and approval.
- Can I finance a fleet of commercial vehicles?
- Single vehicles and multi-unit fleets are both financeable. Fleet purchases are structured during underwriting based on the units and the business, subject to approval.
- Are used commercial vehicles eligible?
- Used vans and work trucks are commonly financed and are valued on mileage, age, and condition during underwriting, which affects term and structure.
- Do you finance specialty vehicles like tow trucks?
- Yes. Specialty units such as tow trucks, refrigerated vans, and service bodies are financeable, valued on configuration and condition during underwriting and approval.
Important disclosure
All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.
RCR International Finance LLC does not guarantee approval, rates, or funding amounts. Terms are determined case by case after review.