Transportation & Commercial Vehicle Financing
Financing solutions designed for operational stability and business growth.

Transportation & Commercial Vehicle Financing for Growing Businesses

Whether you operate delivery routes, handle regional freight, run service vehicles, or manage specialized mobile operations, we offer financing solutions matched to your business stage, vehicle type, and operational needs. Our goal is to support long-term business stability while helping you add or replace units efficiently and confidently.

What We Finance

We support a wide range of commercial vehicles used in:

  • Delivery and last-mile logistics

  • Freight and distribution

  • Construction and site support

  • Trade, service, and mobile operations

  • Food service and specialty mobile services

Common vehicle financing programs include:

• Box Truck Financing →
• Sleeper Truck Financing →
• Dump Truck Financing →
• Food Truck Financing →
• Shuttle Van Financing →
• Limousine & Specialty Vehicle Financing →
• Auto Transport Trailer Financing →
• Securing Semi Truck Financing With BNC Finance: A Comprehensive Guide →

Financing Options Based on Your Business Stage

We structure terms based on where your business is today. This helps ensure monthly payments align with practical, real-world operations.

Established Business (5+ Years in Business)
Consistent revenue, stable operations, and long-term customers.
Typically offers the most competitive rates and payment structures.

Growth & Expansion (2+ Years in Business)
Growing route volume, adding equipment, or replacing aging units.
Flexible terms designed to support growth while maintaining cash flow.

Startup / New Authority (Under 2 Years in Business)
New operators entering the market or expanding into new contract opportunities.
Down payment and strong credit typically required.

If you’re not sure which applies to your business, we’ll help you determine the best fit based on revenue patterns, current contracts, and operational goals.

How the Process Works

Step 1: Apply Online
Submit basic business and ownership information.
If you have a vehicle in mind, a quote is helpful—but not required.

Step 2: Review Your Approval Options
We evaluate programs that fit your business stage and equipment needs.

Step 3: Verify the Vehicle
Dealer Purchase → Quote or invoice.
Private Seller → Title verification, bill of sale, ownership confirmation.

Step 4: Sign & Fund
Documentation is completed electronically.
We pay the seller directly.
You receive the vehicle and place it into service.

Dealer vs. Private Seller Purchases

We finance vehicles from:

Dealers
Simply provide a quote or invoice and we’ll verify the unit directly.

Private Sellers
To ensure a secure transaction, we request:

  • Bill of Sale

  • Copy of Title

  • Proof of Ownership
    If a loan is still owed on the vehicle, we’ll also obtain a payoff statement and coordinate the release.

Flexible Payment Options

Payment structures may include:

  • Standard monthly terms

  • Seasonal or revenue-based payment cycles (where available)

  • Deferred or first payment due at delivery (program dependent)

We’ll discuss terms that align with your operating schedule and revenue flow.

Additional Financing Solutions for Operational Support

Transportation businesses often face fluctuating fuel expenses, maintenance needs, insurance costs, seasonal volume changes, and growth opportunities. Alongside commercial vehicle financing, we offer several funding solutions designed to support stable operations and cash flow.

Working Capital Funding
Provides fast access to funds for everyday business expenses, seasonal needs, or unexpected costs. This option can help maintain cash flow while your vehicles remain active and revenue-generating. Learn more about Working Capital Funding →

Working Capital Term Loans
Designed to support business expansion, payroll, insurance, repairs, and larger operational or project costs. Terms are structured based on your company’s revenue and cash flow. Learn more about Working Capital Term Loans →

Business Line of Credit
Gives your company flexible access to capital as needed, with interest only on what you draw. Ideal for covering short-term expenses, bridging invoice gaps, or securing funds before peak service cycles. Learn more about Business Lines of Credit →

Invoice Factoring
Improves cash flow by receiving funds from outstanding invoices without waiting on long payment terms. Useful for trucking, logistics, and service businesses with slow-paying customers or contract billing cycles. Learn more about Factoring →

Who We Support

We regularly work with:

  • Delivery & courier companies

  • Parcel route operators and fleet managers

  • Independent contractors / owner-operators

  • Construction and site support businesses

  • Food service and mobile retail operators

  • Specialty service and custom-build vehicle businesses

If transportation is essential to your business, we can help structure financing that supports your goals.

Ready to Get Started?

Check your financing options in a few minutes.
No obligation and no impact to your credit for initial review.

Apply Now