Light / Medium Duty Vehicles

Light / Medium Duty Fleet Vehicle Financing

Credit Approved in Just 2 Hours and Funds in Just 24 Hours

CFF actually began 25 years ago by financing commercial fleet vehicles, including cargo vans, box trucks, pick-up trucks, straight trucks, last mile trucks and more.

That’s why today, we’re the number one light/medium duty fleet financing company in America with the most rigorous training program for our expert, industry-leading loan consultants.

That means you enjoy credit approval in as little as 2 hours, loan or lease funds delivered in as little as 24 hours, zero-money-down options, and the most flexible terms in the industry. With all this white-glove service, it’s a no-brainer to see why more people choose Commercial Fleet Financing over the slow and cumbersome big banks and credit unions.

The CFF Process is Easy as 1-2-3!

Step 1

Fill out a simple 1-page application and provide a bill of sale.

Step 2

Get approved in as little as 2 hours and we’ll give you a call for next steps.

Step 3

Get financing in hand in as little as 24 hours!

Choose Your Financing

Loan Financing
Lease Financing

CFF Specializes in Financing New and Used

  • Car Haulers
  • Small Truck / Trailers
  • Utility Trucks
  • Delivery Vans
  • Box Trucks
  • Flatbeds and more
Light Medium Duty Trucks

Light / Medium Duty Fleet Brands We Finance Include

High-Growth Industry

Experts in a wide array of industries utilize light and medium duty vehicles on a daily basis to get things done. Plumbers, electricians, car haulers, construction companies and a lot of other professionals need financing for the specialized vehicles needed to serve customers and make life better for people. The last-mile delivery industry alone is exploding demand for vehicles well into the future.

As your needs for light and medium duty vehicles have evolved, CFF has been here for you. In fact, CFF started 25 years ago by providing financing for fleet vehicles. And while we’ve helped build great businesses build fleets of trucks all across our country, we can humbly say we’ve done it just one way… one truck at a time.

We Finance America One Truck At A Time®


The CFF Advantage is Clear


5 Star Rating

Working with Kindra was such a pleasure! Kindra was extremely diligent in her effort to get our company approved for our loan. When I would call to check in, Kindra would advise on where we were within the current process and what she was working on. She reassured us continuously that she was doing all that she could and sent our application to a few different programs for approval. Overall, Kindra was great, dependable, and didn’t give up on her customer. Not only was she all of the things mentioned previously, she cared and a great relationship was formed. We will be sure to work with Kindra and CFF in the near future.
5 Star Rating

M Wofford, Construction

Our rep reached out to us and provided excellent service. Also, he is one of the most persistent people I have ever come into contact with. He asked for my business consistently for 2 years before he was able to get any. He is a professional!
5 Star Rating.

E Johnson, Dealer

I had the pleasure to work with James Wilson. I would recommend him to everyone I know. He went above and beyond to stay in contact to keep me informed in the process of getting my loan. I will use him again on my next loan!
5 Star Rating.

Ronnie Beebe

My company, Secured Network Solutions, Inc. has purchased two vehicles recently using CFF. Our loan officer, Kindra Bierly was the greatest to deal with during these purchases. She was always on top of everything and extremely knowledgeable, helpful and personable, yet professional. She made the experience a complete delight. Thank you Kindra and I look forward to working with you again in the future!
5 Star Rating.

Marsha Walker


At Commercial Fleet Financing, our typical client has a personal credit score of 640 or higher. With credit scores below 640, additional information will be required to review and potentially approve your credit application or refer you to our FRESH START EQUIPMENT FINANCE division.

You insure your equipment against loss including property and casualty coverage, and liability. Most clients simply add their new or replacement equipment to their existing policy.

In most states, because you are financing your equipment vs. leasing it, you are responsible for the taxes. Tax rates vary by county and state.

Since most of our transactions are loans and NOT leases, you are the registered owner of the equipment and the title is sent to you after the last payment is made. If you have chosen to lease your truck, trailer or equipment, you will have a defined buyout option.

Your choice. At CFF, we will recommend various options that fit your budget and cash flow needs.  While most of our contracts are written for 36, 48, or 60 months, we can go out as long as 108 months depending upon the type of equipment.

Most of our transactions are approved with a simple one page credit application.  From time to time, we will request additional business information such as bank statements and/or tax returns.  In addition to your credit history, we like to review the buyers order of the equipment you are purchasing to make sure it has a clean title and in good working order.


The experts at CFF answer the most commonly asked questions about financing, including refinancing, which is better loan or lease, and how credit is measured for a company.