Industry
Commercial Vehicle Equipment Financing
Whether you're an owner-operator financing your first truck or a growing fleet adding units, Atlantic Equipment Finance has the program to get you rolling.
What Types of Vehicles Do We Finance?
We finance virtually all commercially registered vehicles used for business purposes — new and used, no age or mileage restrictions. Our lender network covers a wide range of vehicle types and credit profiles.
- ✓Semi-trucks & tractor-trailers
- ✓Box trucks & dry vans
- ✓Flatbed & step-deck trailers
- ✓Dump trucks & concrete mixers
- ✓Service vans & utility vehicles
- ✓Refrigerated trucks & reefer trailers
- ✓Tanker trucks
- ✓Pickup trucks & work trucks
- ✓Buses & passenger vehicles
No Age or Mileage Restrictions
Unlike many lenders who cut off financing at 5 years or 500,000 miles, we work with vehicles of all ages and mileage levels. The truck that works for your business can be financed.
Owner-Operators Welcome
Just getting started? Our Startup Programs (up to $250K, as low as $50K app-only) give owner-operators with 0–2 years in business a real path to financing.
Fleet Programs Available
Growing your fleet? Commercial loans and leases up to $10M give you the capital to add multiple units at once.
Financing Programs for Commercial Vehicles
Loan or lease — we structure the deal around your operation and cash flow.
Commercial Loans
- ✓Up to $10M
- ✓Up to $200K app-only
- ✓Corp-only available
- ✓Principal-only payoff
Commercial Leases
- ✓Up to $10M
- ✓100% funding
- ✓FMV & $1 buyout
- ✓TRAC leases available
Startup Programs
- ✓Up to $250K
- ✓Up to $50K app-only
- ✓0–2 years in business
- ✓Principal-only payoff
Private Party Sales
- ✓Up to $550K
- ✓Loan & lease
- ✓100% funding
- ✓New and used
Frequently Asked Questions
Are there age or mileage restrictions on commercial vehicles?
No. Atlantic Equipment Finance places no age or mileage restrictions on commercial vehicles. Whether you need a late-model truck or a high-mileage workhorse, we can structure financing around it.
Can an owner-operator qualify for commercial vehicle financing?
Yes. We have programs specifically designed for owner-operators and small fleets, including those with limited time in business through our Startup Programs.
What types of commercial vehicles can be financed?
We finance semi-trucks, box trucks, flatbeds, dump trucks, service vans, utility vehicles, and most other commercially registered vehicles used for business purposes.
Get Financed Today
Apply online or talk to our team about the right program for your fleet.
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