One application. 7 lenders.
Get Funded One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
A single facility covering multiple units simplifies administration and usually prices better than separate agreements.
| Structure | One approved limit, with units drawn against it as you acquire them. |
| Adding units | Usually possible within the limit without a new application, subject to age and type criteria. |
| What is assessed | The operation rather than the individual units: revenue, contracts, operating history, and the age and mix of the existing fleet. |
| Pricing | Established operators with steady contracts see the best terms, since the lender underwrites the business more than the metal. |
On the company, as equipment. A fleet of vans, cars or light trucks is financed by the seven equipment lenders listed the way any equipment is, from $2,500 to $50 million and from 5.5%, with the difference that the lender underwrites the business rather than each vehicle: its statements, its time in business, the contracts the vehicles will serve, and the maintenance record of the fleet it already runs. One of the seven, StriveX Financial, publishes transportation and fleet financing as a named product. Heavy commercial trucks financed as a fleet are on the truck fleet financing page, and each lender's published range is on the equipment financing page.
It follows how long each vehicle stays in service. A vehicle kept to the end of its life is cheaper to finance and own; a vehicle replaced on a three-year cycle regardless of condition is cheaper to lease, with the residual and the disposal on the lessor. Most fleets are a mix: long-lived work vehicles financed, high-mileage front-line vehicles leased. The mistake is choosing one structure for the whole fleet because it is simpler to administer.
Ask each lender which structures it offers before you choose, because not all seven write leases, and a lease with a buyout at term end is the version that keeps the option open.
Because a fleet bought in one purchase on one term falls due in one year, and renewing a whole fleet at once is a cash-flow event most companies cannot absorb. Stagger the terms or the purchases so that a share of the fleet renews each year and the payment stays level; a lender will structure it that way if asked. A fleet with a planned cycle is financed on better terms than one without, because the lender can see how the next purchase will be paid for.
Apply once. Our application reaches all seven lenders listed and routes on the company and the vehicles.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans. Last reviewed 17 September 2026. Lender figures are the lenders' published terms as checked August 2026.
Lenders vary. The assessment shifts from asset-based to company-based at a small number of units.
An approved limit drawn against as vehicles are acquired, rather than a separate application per unit.
Leasing suits vehicles cycled on a schedule. Ownership suits vehicles kept to end of life. Mixed fleets are common.
Often, because the assessment is on the company and the units cross-secure.
